Saraswat Co business loans
Saraswat Co is on Recur Club's lender panel, writing loan against property, overdraft / cash credit, secured term loan and 2 other products.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- Andhra Pradesh, Chhattisgarh, Goa, Gujarat, Karnataka, Kerala, Maharashtra, Madhya Pradesh, Tamil Nadu, Telangana, Dadra and Nagar Haveli and Daman and Diu, Delhi, Puducherry
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
10 more ▾ ▴
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹5–200cr
- tenure 12–180mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- 1st charge on immovable assets (50%)
- Corporate Guarantee (50%)
- Escrow Of Cashflows (50%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st charge on immovable assets (×1), Corporate Guarantee (×1)
What Saraswat Co 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: Loan Against Property, Overdraft / Cash Credit, Secured Term Loan, Vendor Financing, Working Capital Demand Loan.
What a sanction from Saraswat Co actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 8 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Commercial shop4 letters
- Industrial property4 letters
- Plant & Machinery3 letters
- Commercial Shop3 letters
- Fixed Deposit3 letters
- Industrial Property2 letters
- Commercial shop ×4, Industrial property ×4, Plant & Machinery ×3, Commercial Shop ×3, Fixed Deposit ×3, Industrial Property ×2
What borrowers ask about Saraswat Co
- What does Saraswat Co lend?
- Saraswat Co writes loan against property, overdraft / cash credit, secured term loan, vendor financing, working capital demand loan.
- What are Saraswat Co'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 Saraswat Co ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%) · 1st charge on immovable assets (50%) · Corporate Guarantee (50%) · Escrow Of Cashflows (50%).
- How do I apply to Saraswat Co?
- You do not apply to Saraswat Co directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Saraswat Co's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Saraswat Co 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 Saraswat Co 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 Saraswat Co
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Saraswat Co is the right lender for you
A few questions. Recur Market scores you against Saraswat Co and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Saraswat Co's current policy. Terms are set by the lender at the time of sanction.