What does Siemens India lend?

Siemens India writes domestic factoring, machinery loan, operating lease, purchase invoice discounting. Across those, observed facilities run ₹1.8 cr to ₹5 cr.

What ticket size does Siemens India offer?

Facilities observed on live transactions run from ₹1.8 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Siemens India charge?

Rates observed on live transactions fall between 11.5% and 12% a year. Tenures run 6 to 60 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Siemens India take to disburse?

About 153 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Siemens 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.

Lender profile

Siemens India business loans

Siemens India is on Recur Club's lender panel, writing domestic factoring, machinery loan, operating lease and 1 other products. Observed tickets run ₹1.8 cr to ₹5 cr, priced between 11.5% and 12%. Median turnaround from application to disbursal is about 153 days.

✓Tickets from ₹1.8 Cr – ₹5 Cr across 8 products
✓Indicative pricing 11.5% – 12%, as quoted on live transactions
✓Around 153 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹3.9 Cr

Median sanction

153

Days median turnaround

Sanction letters read

— Which arm you land with

3 lenders under one brand

They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.

Siemens Financial Services Private Limited

Behaviour & gates

Borrower: CIBIL ≥650
Karnataka, Gujarat
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1

13 more ▾

Deal: rate 10–14% (range across products — see matrix)
ticket ₹0.5–50cr
tenure 12–12mo
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
1st charge on P&M (86%)
median ticket ₹8.5cr
median rate 12%
median turnaround 153d
Security asked in : 1st charge on P&M (×2), FD margin 10–15% (×1), Personal Guarantee Of Promoters/Directors (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×7), 1st charge on P&M (×6), FD margin 5–10% (×3), FD margin 15–20% (×2)
share → in-principle approval (initial interest): ≈61d
in-principle approval → sanction (underwriting): ≈11d
sanction → disburse (closing): ≈47d

Siemens Corporate Finance Privatelimited

Behaviour & gates

Borrower: CIBIL ≥650
Delhi
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1

7 more ▾

Deal: rate 10–14% (range across products — see matrix)
ticket ₹0.5–50cr
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Escrow Of Cashflows (67%)
FD margin 10–15% (67%)
1st charge on P&M (67%)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×3), Escrow Of Cashflows (×2), FD margin 10–15% (×2), 1st charge on P&M (×2)

Siemens India Ltd.

Behaviour & gates

Borrower: CIBIL ≥650
Maharashtra
Financials: debt/EBITDA ≤4
debt/networth ≤4
Deal: rate 10–14% (range across products — see matrix)
ticket ₹0.5–50cr

3 more ▾

Security (observed): FD margin 10–15% (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Security asked in 2026: FD margin 10–15% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)

— Products & indicative terms

What Siemens 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	Arm
Domestic Factoring▾▴ Turnaround ~175d Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 States: Karnataka, Gujarat Min EBITDA (₹cr): 0 11 more ▾ ▴ Debt / EBITDA: 4 Min Networth: 0 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 11.5–11.5–11.5% ₹5–5–5 Cr 6–6–6 mo Turnaround: ≈175 days (share→disburse) Asks for Debt schedule / sanction letters (×1) Asks for GST / integration (×1) Asks for Provisional financials (×1) Behaviour & gates Min ticket (₹cr): 0.50 Min rate (%): 12 Max ticket (₹cr): 50 Security required: ['Escrow Of Cashflows'] Max rate (%): 14 Max tenure (mo): 12 Months 4 more ▾ ▴ Min tenure (mo): 12 Months rate — stated 12–14%, actually offered 11.5–11.5% → priced/sized below stated floor Amount — stated 0.5–50 Cr, actually offered 5–5 Cr → within stated band Tenure — stated 12–12 mo, actually offered 6–6 mo → priced/sized below stated floor	₹5 cr	11.5%	6 mo	Siemens Financial Services
Machinery Loan▾▴ Turnaround ~47d Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 States: Karnataka, Gujarat Debt / EBITDA: 4 10 more ▾ ▴ Min Networth: 0 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 12–12–12% ₹1.8–1.8–1.8 Cr 60–60–60 mo Turnaround: ≈47 days (share→disburse) Asks for Audited financials (×1) Asks for Provisional financials (×1) Asks for Term sheet (×1) Behaviour & gates Min ticket (₹cr): 0.50 Min rate (%): 10 Max ticket (₹cr): 50 Security required: ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge'] Max rate (%): 14 rate — stated 10–14%, actually offered 12–12% → within stated band 1 more ▾ ▴ Amount — stated 0.5–50 Cr, actually offered 1.8–1.8 Cr → within stated band	₹1.8 cr	12%	60 mo	Siemens Financial Services
Purchase Invoice Discounting▾▴ Turnaround ~153d Wins Director overdue: 0.001 INR Cr External Rating: BBB Director CIBIL: 650 States: Karnataka, Gujarat 16 more ▾ ▴ Min EBITDA (₹cr): 0 Debt / EBITDA: 4 Min Networth: 0 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 12–12–12% ₹5–5–5 Cr 12–12–12 mo Turnaround: ≈153 days (share→disburse) Asks for GST / integration (×10) Asks for Legal / KYC (×5) Asks for Bank statements (×4) Asks for Cap table / equity (×4) Asks for Term sheet (×2) Asks for Debt schedule / sanction letters (×1) Asks for Provisional financials (×1) Behaviour & gates Min ticket (₹cr): 0.50 Min rate (%): 12 Max ticket (₹cr): 50 Security required: ['Fixed Deposit 10 - 15%'] Max rate (%): 14 Max tenure (mo): 12 Months 2 more ▾ ▴ rate — stated 12–14%, actually offered 12–12% → within stated band Amount — stated 0.5–50 Cr, actually offered 5–5 Cr → within stated band	₹5 cr	12%	12 mo	Siemens Financial Services

Also offered, with no terms observed yet: Operating Lease.

— Typical term sheet

What a sanction from Siemens India actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Siemens Financial Services Private Limited

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 9 sanction letters carrying the clause.

Other standing covenants67%

Siemens India Ltd.

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 11 sanction letters carrying the clause.

Other standing covenants64%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Siemens Financial Services Private Limited

Post-dated cheque1 letters
Equipment / Machinery (Panasonic Pick & Place Machine NPM D3A and IGST)1 letters
Equipment / Machinery1 letters
Equipment / Machinery (food processing/chocolate manufacturing equipment)1 letters
Machinery/Equipment1 letters

Post-dated cheque ×1, Equipment / Machinery (Panasonic Pick & Place Machine NPM D3A and IGST) ×1, Equipment / Machinery ×1, Equipment / Machinery (food processing/chocolate manufacturing equipment) ×1, Machinery/Equipment ×1

Siemens India Ltd.

Post-dated cheque1 letters
Equipment / Machinery (Panasonic Pick & Place Machine NPM D3A and IGST)1 letters
Equipment / Machinery1 letters
Equipment / Machinery (food processing/chocolate manufacturing equipment)1 letters
Machinery/Equipment1 letters

Post-dated cheque ×1, Equipment / Machinery (Panasonic Pick & Place Machine NPM D3A and IGST) ×1, Equipment / Machinery ×1, Equipment / Machinery (food processing/chocolate manufacturing equipment) ×1, Machinery/Equipment ×1

— Common questions

What borrowers ask about Siemens India

What does Siemens India lend?: Siemens India writes domestic factoring, machinery loan, operating lease, purchase invoice discounting. Across those, observed facilities run ₹1.8 cr to ₹5 cr.
What ticket size does Siemens India offer?: Facilities observed on live transactions run from ₹1.8 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Siemens India charge?: Rates observed on live transactions fall between 11.5% and 12% a year. Tenures run 6 to 60 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Siemens India take to disburse?: About 153 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Siemens 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.

Next steps after Siemens India

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See whether Siemens India is the right lender for you

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Last updated 7 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 Siemens India's current policy. Terms are set by the lender at the time of sanction.