What are Responsability India'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 Responsability India ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · FD margin 15–20% (100%) · Corporate Guarantee (50%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · Fixed Deposit <5% (50%) · FD margin 5–10% (50%) · FD margin 10–15% (50%) · FD margin 20–30% (50%).

How do I apply to Responsability India?

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

Is Responsability India 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 Responsability India screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Lender profile

Responsability India business loans

Q: What does Responsability India lend?

Responsability India writes overdraft / cash credit, sales invoice discounting, secured term loan, working capital demand loan.

Q: How do I apply to Responsability India?

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

Q: Is Responsability India 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 Responsability India screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Responsability India is on Recur Club's lender panel, writing overdraft / cash credit, sales invoice discounting, secured term loan and 1 other products.

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Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: age ≥2y (secured term loan, working capital demand loan only)
CIBIL ≥650
avoid
Auto ComponentsAutomobilesAviationBankingCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and TrainingElectric VehicleElectronics System Design & Manufacturing
Maharashtra (varies by product)
Private Limited, Public, Limited Liability Partner (varies by product)
positive sector: Agriculture and Allied Industries, Biotechnology, FMCG, Food Processing (varies by product)

24 more ▾

Financials: rev ≥₹80cr (secured term loan, working capital demand loan only)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
maximum annualrevenue: 3000 (secured term loan, working capital demand loan only)
debt/networth ≤4
DSCR ≥1
Deal: rate 13–18%
ticket ₹25–1000cr
tenure 12–60mo
no PEP
Security (observed): 1st/pari-passu charge on current assets (100%)
Personal Guarantee Of Promoters/Directors (100%)
FD margin 15–20% (100%)
Corporate Guarantee (50%)
Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%)
Fixed Deposit <5% (50%)
FD margin 5–10% (50%)
FD margin 10–15% (50%)
FD margin 20–30% (50%)
median ticket ₹15cr
median rate 13%
median turnaround —
Security asked in : Escrow Of Cashflows (×1)
Security asked in : 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×2), FD margin 15–20% (×2), Corporate Guarantee (×1)

— Products & indicative terms

What Responsability India lends, and on what terms

What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.

Product	Ticket	Pricing	Tenure

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

— Common questions

What borrowers ask about Responsability India

What does Responsability India lend?: Responsability India writes overdraft / cash credit, sales invoice discounting, secured term loan, working capital demand loan.
What are Responsability India'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 Responsability India ask for?: Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · FD margin 15–20% (100%) · Corporate Guarantee (50%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · Fixed Deposit <5% (50%) · FD margin 5–10% (50%) · FD margin 10–15% (50%) · FD margin 20–30% (50%).
How do I apply to Responsability India?: You do not apply to Responsability India directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Responsability India's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Is Responsability India 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 Responsability India screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Next steps after Responsability India

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Last updated 20 October 2026

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 Responsability India's current policy. Terms are set by the lender at the time of sanction.