# RBL Bank business loans

> RBL Bank is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, dropline overdraft, overdraft / cash credit and 4 other products.

Source: https://www.recurclub.com/lenders/rbl-bank
Last updated: 2026-10-20

Also offered, with no terms observed yet: Cgtmsme Overdraft Cash Credit, Dropline Overdraft, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y (cgtmsme overdraft cash credit only) · avoid: Real Estate (non asset Light) (varies by product) · Delhi (varies by product) · sector-agnostic (44 sectors — full list in data JSON) (varies by product) · Private Limited, Public, Limited Liability Partner (varies by product)
- Financials: TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤3 · debt/networth ≤3 · DSCR ≥1 · EBITDA ≥₹0.5cr (cgtmsme overdraft cash credit only) · runway ≥12mo (cgtmsme overdraft cash credit only) · maximum annualrevenue: 250 (cgtmsme overdraft cash credit only)
- Deal: rate 8–16% (range across products — see matrix) · ticket ₹1–300cr (range across products — see matrix) · tenure 12–180mo (range across products — see matrix) · no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%) · 1st/pari-passu charge on current assets (100%)
- median ticket ₹10cr
- median rate 11%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×3), FD margin 20–30% (×2), FD margin 30–40% (×2)
- Security asked in : 1st/pari-passu charge on current assets (×9), Personal Guarantee Of Promoters/Directors (×8), FD margin 20–30% (×4), Escrow Of Cashflows (×3)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 10–15% (×1), 1st/pari-passu charge on current assets (×1)
- share → in-principle approval (initial interest): ≈0d

## Common questions

### What does RBL Bank lend?

RBL Bank writes cgtmsme overdraft cash credit, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 1 further products.

### What are RBL Bank's eligibility criteria?

The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.

### What security does RBL Bank ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%) · 1st/pari-passu charge on current assets (100%).

### How do I apply to RBL Bank?

You do not apply to RBL Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against RBL Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is RBL Bank the right lender for my business?

It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what RBL Bank screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

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Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of RBL Bank's current policy.