# Responsability India business loans

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

Source: https://www.recurclub.com/lenders/responsability-india
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y (secured term loan, working capital demand loan only) · CIBIL ≥650 · avoid: Auto Components, Automobiles, Aviation, Banking, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Financial Services, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Insurance, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Real Estate (non asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading (varies by product) · 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)
- 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)

## Common questions

### 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.

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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 Responsability India's current policy.