# Utkarsh Small business loans

> Utkarsh Small is on Recur Club's lender panel, writing loan against property, overdraft / cash credit, secured term loan.

Source: https://www.recurclub.com/lenders/utkarsh-small
Last updated: 2026-10-20

Also offered, with no terms observed yet: Loan Against Property, Overdraft / Cash Credit, Secured Term Loan.

## Eligibility - UTKARSH SMALLUTKARSH SMALL FINANCE BANK LIMITEDUTKARSH SMALL FINANCE BANK LIMITED

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Financial Services, Insurance, Explosives, Arms and Ammunitions, Gambling and Betting, Gems and Jewellery, Lottery Business, Tobacco 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)
- 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)

## Eligibility - Utkarsh Small Finance Bank Limited

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Financial Services, Insurance, Explosives, Arms and Ammunitions, Gambling and Betting, Gems and Jewellery, Lottery Business, Tobacco 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) · 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)

## Common questions

### 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.

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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 Utkarsh Small's current policy.