Utkarsh Small business loans
Utkarsh Small is on Recur Club's lender panel, writing loan against property, overdraft / cash credit, secured term loan.
- ✓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.
Utkarsh Smallutkarsh Small Finance Bank Limitedutkarsh Small Finance Bank Limited
- Borrower: age ≥2y
- CIBIL ≥650
- avoidFinancial ServicesInsuranceExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryLottery BusinessTobacco Products (varies by product)
- Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (47 sectors — full list in data JSON) (varies by product)
18 more ▾ ▴
- Financials: runway ≥12mo
- rev ≥₹5cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- minimum assetsundermanagement: 100 (secured term loan only)
- Deal: rate 10.5–14%
- ticket ₹0–40cr (range across products — see matrix)
- tenure 3–180mo
- no PEP
- Security (observed): 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- median ticket ₹10cr
- median rate 14%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
- Security asked in 2026: 1st charge on immovable assets (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×2)
Utkarsh Small Finance Bank Limited
- Borrower: CIBIL ≥650
- avoidFinancial ServicesInsuranceExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryLottery BusinessTobacco Products (varies by product)
- Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu, Andhra Pradesh, Karnataka, Kerala, Tamil Nadu, Telangana, Puducherry, Lakshadweep (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
- sector-agnostic (47 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹-100cr (varies by product)
14 more ▾ ▴
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹0–200cr (range across products — see matrix)
- tenure 3–180mo (range across products — see matrix)
- no PEP
- Security (observed): 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (75%)
- median ticket ₹7.5cr
- median rate 10.8%
- median turnaround —
- Security asked in 2026: 1st charge on immovable assets (×4), Personal Guarantee Of Promoters / Directors / Property Owner (×3), 1st/pari-passu charge on current assets (×1)
What Utkarsh Small 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: Loan Against Property, Overdraft / Cash Credit, Secured Term Loan.
What borrowers ask about Utkarsh Small
- What does Utkarsh Small lend?
- Utkarsh Small writes loan against property, overdraft / cash credit, secured term loan.
- What are Utkarsh Small'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 Utkarsh Small ask for?
- Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).
- How do I apply to Utkarsh Small?
- You do not apply to Utkarsh Small directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Utkarsh Small's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Utkarsh Small 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 Utkarsh Small 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 Utkarsh Small
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 Utkarsh Small is the right lender for you
A few questions. Recur Market scores you against Utkarsh Small 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 Utkarsh Small's current policy. Terms are set by the lender at the time of sanction.