Standard Chartered business loans
Standard Chartered is on Recur Club's lender panel, writing overdraft / cash credit, purchase invoice discounting, secured term loan and 1 other products.
- ✓We check your fit against every lender on the panel, not just this one
2 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.
Standard Chartered Bank
- Borrower: CIBIL ≥650
- Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh, Andhra Pradesh, Karnataka, Kerala, Tamil Nadu, Telangana, Puducherry, Lakshadweep, Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu
- avoid: Gems and Jewellery, Explosives, Arms and Ammunitions, Gambling and Betting, Lottery Business (varies by product)
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
14 more ▾ ▴
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹0–200cr (range across products — see matrix)
- tenure 12–180mo (range across products — see matrix)
- no PEP
- Security: 1st/pari-passu charge on current assets
- 1st charge on immovable assets
- share pledge ≤51%
- FD margin 20–30%
- Residential Property - Exclusive First Charge
- Land - Exclusive First Charge
- median ticket ₹10cr
- median rate 11%
- median turnaround —
Standard Chartered Finance Privatelimited
- Borrower: CIBIL ≥650
- age ≥2y
- Maharashtra
- Private Limited, Public, Limited Liability Partner
- Financials: rev ≥₹300cr
- TOL/adjusted tangible net worth ≤5
11 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 12–16%
- ticket ₹150–800cr
- tenure 12–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 2nd charge on current assets (100%)
- share pledge ≤51% (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), 2nd charge on current assets (×1), share pledge ≤51% (×1)
- share → in-principle approval (initial interest): ≈42d
What Standard Chartered 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 |
|---|
Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Unsecured Business Loan, Secured Term Loan.
What a sanction from Standard Chartered 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 18 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.
Standard Chartered Bank
- Hypothecation5 letters
- Immovable property (shed)2 letters
- Movable Fixed Assets2 letters
- Lien & Set-off2 letters
- Industrial Property2 letters
- Current assets and movable fixed assets (hypothecation)2 letters
- Hypothecation ×5, Immovable property (shed) ×2, Movable Fixed Assets ×2, Lien & Set-off ×2, Industrial Property ×2, Current assets and movable fixed assets (hypothecation) ×2
What borrowers ask about Standard Chartered
- What does Standard Chartered lend?
- Standard Chartered writes overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan.
- What are Standard Chartered'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 Standard Chartered ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 2nd charge on current assets (100%) · share pledge ≤51% (100%).
- What documents does Standard Chartered ask for?
- Most often cap table / equity. Having these ready before the first call is what shortens the turnaround.
- How do I apply to Standard Chartered?
- You do not apply to Standard Chartered directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Standard Chartered's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Next steps after Standard Chartered
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 Standard Chartered is the right lender for you
A few questions. Recur Market scores you against Standard Chartered 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 Standard Chartered's current policy. Terms are set by the lender at the time of sanction.