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Muthoot Capital Services Limited

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Set up in 1994. It has pledged its assets against loans of up to ₹3,582.11 crore from 30 lenders.

CINL67120KL1994PLC007726
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32 years at a glance

Loans against its assets, and when today's people joined

1996199820002002200420062008201020122014201620182020202220242026LOANS AGAINST ITS ASSETSTODAY'S PEOPLE, WHEN THEY JOINEDRegistered as a companyMr. P.P Zibi Jose, up to ₹5 crore, 9 Sept 1998 to 18 Apr 2012Mr. A Gopalkrishnan Chartered Accountant, up to ₹5 crore, 16 Mar 2001 to 27 Mar 2007Mr. A Gopalkrishnan Chartered Accountant, up to ₹5 crore, 30 Dec 2003 to 6 Feb 2012HDFC Bank Ltd., up to ₹10.45 lakh, 25 Aug 2004 to 16 Feb 2012A Gopalakrishnan, up to ₹38,000, 27 Jun 2005 to 4 Jan 2014A Gopalakarishnan, up to ₹20 crore, 21 Jan 2006 to 6 Feb 2012A Gopalakrishnan, up to ₹42.95 lakh, 28 Oct 2006 to still openA Gopalakrishnan, up to ₹40,000, 3 Feb 2007 to 4 Jan 2014The Dhanalakshmi Bank Limited, up to ₹2 crore, 10 Jul 2007 to 31 Mar 2008ICICI Bank Limited, up to ₹10 crore, 12 Jul 2007 to 9 Aug 20083i Infotech Trusteeship Services Limited, up to ₹20 crore, 12 Jul 2008 to 26 Apr 2013State Bank of Travancore, up to ₹135 crore, 1 Aug 2008 to 18 Sept 2018The Dhanalakshmi Bank Limited, up to ₹2 crore, 22 Sept 2008 to 30 Nov 2009A. Gopalakrishnan, up to ₹6.56 lakh, 15 Jan 2009 to 27 Feb 2016A Gopalakrishnan, up to ₹19.16 lakh, 4 Apr 2009 to 27 Feb 2016A Gopalakrishnan, up to ₹12.94 lakh, 27 Jun 2009 to still openAxis Bank Limited, up to ₹35 crore, 26 Sept 2009 to 9 Apr 2024A Gopalakrishnan, up to ₹43.76 lakh, 2 Nov 2009 to still openHDFC Bank Limited, up to ₹200 crore, 20 Jan 2010 to 6 Dec 2025A Gopalakrishnan, up to ₹25.55 lakh, 9 Feb 2010 to still openA Gopalakrishnan, up to ₹78.96 lakh, 28 Sept 2010 to 25 Mar 2019A Gopalakrishnan, up to ₹44.09 lakh, 21 Dec 2010 to still openA Gopalakrishnan, up to ₹1.64 crore, 1 Mar 2011 to still openKotak Mahindra Bank Limited, up to ₹15 crore, 16 May 2011 to 19 Mar 2018State Bank of Hyderabad, up to ₹35 crore, 10 Jun 2011 to 18 Sept 2018Indusind Bank Ltd., up to ₹50 crore, 1 Aug 2011 to still openState Bank of India, up to ₹150 crore, 28 Nov 2011 to still openCity Union Bank Limited, up to ₹10 crore, 30 Nov 2011 to still openA Gopalakrishnan, up to ₹3.24 crore, 2 Jan 2012 to still openDhanlaxmi Bank Limited, up to ₹24 crore, 5 Mar 2012 to 14 Jun 2016The South Indian Bank Limited, up to ₹75 crore, 25 Jul 2012 to 23 Mar 2021The Federal Bank LTD, up to ₹15 crore, 27 Jul 2012 to 26 Dec 2023A Gopalakrishnan, up to ₹2.62 crore, 15 Sept 2012 to 29 Jan 2018A Gopalakrishnan, up to ₹7.68 crore, 7 Dec 2012 to still openICICI Bank Limited, up to ₹60 crore, 8 Mar 2013 to 8 Feb 2022Corporation Bank, up to ₹30 crore, 2 Aug 2013 to 4 Mar 2021Dhanlaxmi Bank Limited, up to ₹16 crore, 17 Oct 2013 to 8 Nov 2016Lakshmi Vilas Bank Limited, up to ₹25 crore, 20 Feb 2014 to 12 Feb 2021Indian Overseas Bank, up to ₹25 crore, 22 Mar 2014 to 22 Apr 2015Andhra Bank, up to ₹175 crore, 3 Sept 2014 to 5 Mar 2021Dhanlaxmi Bank Limited, up to ₹60 crore, 26 Sept 2014 to still openYes Bank Limited, up to ₹50 crore, 26 Dec 2014 to 24 Mar 2022IDBI Trusteeship Services Limited, up to ₹14.17 crore, 4 Feb 2015 to still openIDBI Bank Limited, up to ₹20 crore, 9 Feb 2015 to 22 Mar 2018Punjab National Bank, up to ₹200 crore, 11 Jun 2015 to still openSyndicate Bank, up to ₹100 crore, 26 Jun 2015 to 17 Jun 2020Tamilnad Mercantile Bank Limited, up to ₹35 crore, 22 Sept 2015 to still openHDFC Bank Limited, up to ₹10 crore, 28 Sept 2015 to 27 Oct 2016Dhanlaxmi Bank Limited, up to ₹12 crore, 21 Dec 2015 to 26 Mar 2018IDBI Bank Limited, up to ₹20 crore, 28 Mar 2016 to 25 Mar 2019IDBI Bank Limited, up to ₹20 crore, 19 Apr 2016 to still openKarnataka Bank Limited, up to ₹10 crore, 2 Jul 2016 to 25 Mar 2021Vijaya Bank, up to ₹75 crore, 16 Aug 2016 to 25 Aug 2020Canara Bank, up to ₹75 crore, 15 Nov 2016 to 23 Jun 2020Central Bank of India, up to ₹50 crore, 25 Apr 2017 to still openThe Karur Vysya Bank Limited, up to ₹25 crore, 19 May 2017 to 30 Mar 2022Indian Bank, up to ₹50 crore, 24 Aug 2017 to still openIndian Overseas Bank, up to ₹50 crore, 4 Jan 2018 to still openOriental Bank of Commerce Limited, up to ₹50 crore, 12 Feb 2018 to 21 Mar 2019Kotak Mahindra Bank Limited, up to ₹25 crore, 20 Mar 2018 to 13 Oct 2021AU Small Finance Bank Limited, up to ₹50 crore, 23 Apr 2018 to 29 May 2020Mahindra and Mahindra Financial Services Limited, up to ₹100 crore, 5 Jun 2018 to 6 Oct 2020Equitas Small Finance Bank Limited, up to ₹50 crore, 25 Jun 2018 to 27 Jul 2020Union Bank of India, up to ₹180 crore, 22 Mar 2019 to 10 Jul 2024Syndicate Bank Large Corporate Branch, up to ₹100 crore, 26 Mar 2019 to 2 Jan 2021Axis Bank Limited, up to ₹2.46 crore, 2 Apr 2019 to 22 Jun 2023Tata Capital Financial Services Limited, up to ₹25 crore, 23 May 2019 to 16 Jun 2022DCB Bank Limited, up to ₹30 crore, 11 Jul 2019 to still openUnited Bank of India, up to ₹25 crore, 5 Mar 2020 to 18 Apr 2023Canara Bank, up to ₹175 crore, 16 Jun 2020 to 18 Jun 2024IDBI Trusteeship Services Limited, up to ₹50 crore, 25 Jun 2020 to 3 May 2023Bank of Baroda, up to ₹75 crore, 29 Jul 2020 to 15 Jun 2023IDBI Trusteeship Services Limited, up to ₹25 crore, 17 Nov 2020 to 28 Feb 2022IDBI Trusteeship Services Limited, up to ₹50 crore, 30 Nov 2020 to 19 Apr 2022IDBI Trusteeship Services Limited, up to ₹50 crore, 2 Dec 2020 to 19 Apr 2022IDBI Trusteeship Services Limited, up to ₹100 crore, 18 Dec 2020 to 9 Jun 2022CSB Bank Limited, up to ₹25 crore, 24 Mar 2021 to 28 Mar 2024IDFC First Bank Limited, up to ₹10 crore, 20 Dec 2022 to still openVardhman Trusteeship Private Limited, up to ₹22.61 crore, 6 Jan 2023 to 10 Apr 2024Vardhman Trusteeship Private Limited, up to ₹47.03 crore, 6 Jan 2023 to 14 Jan 2026Vardhman Trusteeship Private Limited, up to ₹24.35 crore, 6 Jan 2023 to 22 Jan 2025Oxyzo Financial Services Private Limited, up to ₹45 crore, 30 Jan 2023 to 6 Mar 2024Vardhman Trusteeship Private Limited, up to ₹35 crore, 7 Mar 2023 to 4 Jun 2024Vardhman Trusteeship Private Limited, up to ₹121.47 crore, 9 Mar 2023 to 18 Oct 2024Esaf Small Finance Bank Limited, up to ₹20 crore, 12 May 2023 to 12 Dec 2024Vardhman Trusteeship Private Limited, up to ₹58 crore, 16 Jun 2023 to 13 Jun 2025The Federal Bank LTD, up to ₹45 crore, 18 Dec 2023 to still openVardhman Trusteeship Private Limited, up to ₹130.02 crore, 27 Dec 2023 to still openPoonawalla Fincorp Limited, up to ₹30 crore, 30 Dec 2023 to 6 Mar 2026Vardhman Trusteeship Private Limited, up to ₹65 crore, 18 Mar 2024 to still openAU Small Finance Bank Limited, up to ₹30 crore, 26 Mar 2024 to 13 May 2026Oxyzo Financial Services Limited, up to ₹45 crore, 30 Mar 2024 to 8 Oct 2025The South Indian Bank Limited, up to ₹30.2 lakh, 22 Apr 2024 to still openVardhman Trusteeship Private Limited, up to ₹65 crore, 15 May 2024 to still openPoonawalla Fincorp Limited, up to ₹30 crore, 30 May 2024 to 30 Oct 2025Vardhman Trusteeship Private Limited, up to ₹109.9 crore, 11 Jun 2024 to 16 Jun 2026Union Bank of India, up to ₹100 crore, 10 Jul 2024 to still openIDFC First Bank Limited, up to ₹120 crore, 30 Jul 2024 to still openVardhman Trusteeship Private Limited, up to ₹65.46 crore, 2 Sept 2024 to 7 Mar 2026Axis Trustee Services Limited, up to ₹100 crore, 6 Sept 2024 to still openVardhman Trusteeship Private Limited, up to ₹65.46 crore, 11 Sept 2024 to 13 Mar 2026Axis Bank Limited, up to ₹1 crore, 5 Oct 2024 to still openVardhman Trusteeship Private Limited, up to ₹112.37 crore, 28 Oct 2024 to still openVardhman Trusteeship Private Limited, up to ₹66.47 crore, 4 Nov 2024 to 17 Dec 2025Vardhman Trusteeship Private Limited, up to ₹59.99 crore, 19 Nov 2024 to still openSBM Bank (India) Limited, up to ₹25 crore, 28 Nov 2024 to still openUtkarsh Small Finance Bank Limited, up to ₹40 crore, 30 Nov 2024 to still openVardhman Trusteeship Private Limited, up to ₹122.86 crore, 30 Nov 2024 to still openVardhman Trusteeship Private Limited, up to ₹96.39 crore, 11 Dec 2024 to still openVardhman Trusteeship Private Limited, up to ₹57.49 crore, 26 Dec 2024 to 29 Jun 2026Equitas Small Finance Bank Limited, up to ₹50 crore, 24 Jan 2025 to still openVardhman Trusteeship Private Limited, up to ₹60 crore, 27 Jan 2025 to still openVardhman Trusteeship Private Limited, up to ₹51.98 crore, 25 Feb 2025 to still openKisetsu Saison Finance (India) Private Limited, up to ₹35 crore, 19 Mar 2025 to still openNorthern Arc Capital Limited, up to ₹100 crore, 28 Mar 2025 to 11 Jul 2025Catalyst Trusteeship Limited, up to ₹5.11 crore, 28 Mar 2025 to still openVardhman Trusteeship Private Limited, up to ₹85.62 crore, 6 Jun 2025 to still openCatalyst Trusteeship Limited, up to ₹60 crore, 16 Jun 2025 to still openVardhman Trusteeship Private Limited, up to ₹110.35 crore, 4 Jul 2025 to still openVardhman Trusteeship Private Limited, up to ₹148.75 crore, 22 Jul 2025 to still openVardhman Trusteeship Private Limited, up to ₹120 crore, 28 Jul 2025 to still openBank of Bahrain and Kuwait, up to ₹40 crore, 31 Jul 2025 to still openVardhman Trusteeship Private Limited, up to ₹188.33 crore, 13 Oct 2025 to still openAU Small Finance Bank Limited, up to ₹25 crore, 31 Oct 2025 to still openIndian Overseas Bank, up to ₹100 crore, 13 Nov 2025 to still openThe Karur Vysya Bank Limited, up to ₹50 crore, 26 Nov 2025 to still openThe Federal Bank LTD, up to ₹25.1 crore, 29 Dec 2025 to still openUnion Bank of India, up to ₹100 crore, 4 Mar 2026 to still openIDFC First Bank Limited, up to ₹100 crore, 8 May 2026 to still openUnity Small Finance Bank Limited, up to ₹40 crore, 28 May 2026 to still openAU Small Finance Bank Limited, up to ₹30 crore, 26 Jun 2026 to still openVardhman Trusteeship Private Limited, up to ₹177.77 crore, 29 Jun 2026 to still openCapital Small Finance Bank Limited, up to ₹25 crore, 30 Jun 2026 to still openVardhman Trusteeship Private Limited, up to ₹127.75 crore, 21 Aug 2026 to still open
Loan still openLoan paid offSomeone joined, and is still there
  • 1994Registered as a company on 18 Feb 1994.
  • 2015Its biggest loan against assets, ₹200 crore with Punjab National Bank, is still open.

Who runs it

This page does not list its directors yet. Open the company in Entiva to see who runs it on MCA's register today.

Who has lent to it

₹3,582.11 crorein loans backed by its assets, from 30 lenders

  • Vardhman Trusteeship Private Limited₹1,722.17 crore

    16 open loans, taken out 2023 to 2026

  • IDFC First Bank Limited₹230 crore

    3 open loans, taken out 2022 to 2026

  • Union Bank of India₹200 crore

    2 open loans, taken out 2024 to 2026

  • Punjab National Bank₹200 crore

    Open, taken out 11 Jun 2015

  • Indian Overseas Bank₹150 crore

    2 open loans, taken out 2018 to 2025

  • State Bank of India₹150 crore

    Open, taken out 28 Nov 2011

  • Axis Trustee Services Limited₹100 crore

    Open, taken out 6 Sept 2024

  • The Federal Bank LTD₹70.1 crore

    2 open loans, taken out 2023 to 2025

  • Catalyst Trusteeship Limited₹65.11 crore

    2 open loans, taken out in 2025

  • Dhanlaxmi Bank Limited₹60 crore

    Open, taken out 26 Sept 2014

  • AU Small Finance Bank Limited₹55 crore

    2 open loans, taken out 2025 to 2026

  • The Karur Vysya Bank Limited₹50 crore

    Open, taken out 26 Nov 2025

  • Equitas Small Finance Bank Limited₹50 crore

    Open, taken out 24 Jan 2025

  • Indian Bank₹50 crore

    Open, taken out 24 Aug 2017

  • Central Bank of India₹50 crore

    Open, taken out 25 Apr 2017

  • Indusind Bank Ltd.₹50 crore

    Open, taken out 1 Aug 2011

  • Unity Small Finance Bank Limited₹40 crore

    Open, taken out 28 May 2026

  • Bank of Bahrain and Kuwait₹40 crore

    Open, taken out 31 Jul 2025

  • Utkarsh Small Finance Bank Limited₹40 crore

    Open, taken out 30 Nov 2024

  • Kisetsu Saison Finance (India) Private Limited₹35 crore

    Open, taken out 19 Mar 2025

  • Tamilnad Mercantile Bank Limited₹35 crore

    Open, taken out 22 Sept 2015

  • DCB Bank Limited₹30 crore

    Open, taken out 11 Jul 2019

  • Capital Small Finance Bank Limited₹25 crore

    Open, taken out 30 Jun 2026

  • SBM Bank (India) Limited₹25 crore

    Open, taken out 28 Nov 2024

  • IDBI Bank Limited₹20 crore

    Open, taken out 19 Apr 2016

  • A Gopalakrishnan₹14.26 crore

    8 open loans, taken out 2006 to 2012

  • IDBI Trusteeship Services Limited₹14.17 crore

    Open, taken out 4 Feb 2015

  • City Union Bank Limited₹10 crore

    Open, taken out 30 Nov 2011

  • Axis Bank Limited₹1 crore

    Open, taken out 5 Oct 2024

  • The South Indian Bank Limited₹30.2 lakh

    Open, taken out 22 Apr 2024

75 earlier loans, now paid off
  • Northern Arc Capital Limited28 Mar 2025 to 11 Jul 2025₹100 crore
  • Vardhman Trusteeship Private Limited26 Dec 2024 to 29 Jun 2026₹57.49 crore
  • Vardhman Trusteeship Private Limited4 Nov 2024 to 17 Dec 2025₹66.47 crore
  • Vardhman Trusteeship Private Limited11 Sept 2024 to 13 Mar 2026₹65.46 crore
  • Vardhman Trusteeship Private Limited2 Sept 2024 to 7 Mar 2026₹65.46 crore
  • Vardhman Trusteeship Private Limited11 Jun 2024 to 16 Jun 2026₹109.9 crore
  • Poonawalla Fincorp Limited30 May 2024 to 30 Oct 2025₹30 crore
  • Oxyzo Financial Services Limited30 Mar 2024 to 8 Oct 2025₹45 crore
  • AU Small Finance Bank Limited26 Mar 2024 to 13 May 2026₹30 crore
  • Poonawalla Fincorp Limited30 Dec 2023 to 6 Mar 2026₹30 crore
  • Vardhman Trusteeship Private Limited16 Jun 2023 to 13 Jun 2025₹58 crore
  • Esaf Small Finance Bank Limited12 May 2023 to 12 Dec 2024₹20 crore
  • Vardhman Trusteeship Private Limited9 Mar 2023 to 18 Oct 2024₹121.47 crore
  • Vardhman Trusteeship Private Limited7 Mar 2023 to 4 Jun 2024₹35 crore
  • Oxyzo Financial Services Private Limited30 Jan 2023 to 6 Mar 2024₹45 crore
  • Vardhman Trusteeship Private Limited6 Jan 2023 to 10 Apr 2024₹22.61 crore
  • Vardhman Trusteeship Private Limited6 Jan 2023 to 14 Jan 2026₹47.03 crore
  • Vardhman Trusteeship Private Limited6 Jan 2023 to 22 Jan 2025₹24.35 crore
  • CSB Bank Limited24 Mar 2021 to 28 Mar 2024₹25 crore
  • IDBI Trusteeship Services Limited18 Dec 2020 to 9 Jun 2022₹100 crore
  • IDBI Trusteeship Services Limited2 Dec 2020 to 19 Apr 2022₹50 crore
  • IDBI Trusteeship Services Limited30 Nov 2020 to 19 Apr 2022₹50 crore
  • IDBI Trusteeship Services Limited17 Nov 2020 to 28 Feb 2022₹25 crore
  • Bank of Baroda29 Jul 2020 to 15 Jun 2023₹75 crore
  • IDBI Trusteeship Services Limited25 Jun 2020 to 3 May 2023₹50 crore
  • Canara Bank16 Jun 2020 to 18 Jun 2024₹175 crore
  • United Bank of India5 Mar 2020 to 18 Apr 2023₹25 crore
  • Tata Capital Financial Services Limited23 May 2019 to 16 Jun 2022₹25 crore
  • Axis Bank Limited2 Apr 2019 to 22 Jun 2023₹2.46 crore
  • Syndicate Bank Large Corporate Branch26 Mar 2019 to 2 Jan 2021₹100 crore
  • Union Bank of India22 Mar 2019 to 10 Jul 2024₹180 crore
  • Equitas Small Finance Bank Limited25 Jun 2018 to 27 Jul 2020₹50 crore
  • Mahindra and Mahindra Financial Services Limited5 Jun 2018 to 6 Oct 2020₹100 crore
  • AU Small Finance Bank Limited23 Apr 2018 to 29 May 2020₹50 crore
  • Kotak Mahindra Bank Limited20 Mar 2018 to 13 Oct 2021₹25 crore
  • Oriental Bank of Commerce Limited12 Feb 2018 to 21 Mar 2019₹50 crore
  • The Karur Vysya Bank Limited19 May 2017 to 30 Mar 2022₹25 crore
  • Canara Bank15 Nov 2016 to 23 Jun 2020₹75 crore
  • Vijaya Bank16 Aug 2016 to 25 Aug 2020₹75 crore
  • Karnataka Bank Limited2 Jul 2016 to 25 Mar 2021₹10 crore
  • IDBI Bank Limited28 Mar 2016 to 25 Mar 2019₹20 crore
  • Dhanlaxmi Bank Limited21 Dec 2015 to 26 Mar 2018₹12 crore
  • HDFC Bank Limited28 Sept 2015 to 27 Oct 2016₹10 crore
  • Syndicate Bank26 Jun 2015 to 17 Jun 2020₹100 crore
  • IDBI Bank Limited9 Feb 2015 to 22 Mar 2018₹20 crore
  • Yes Bank Limited26 Dec 2014 to 24 Mar 2022₹50 crore
  • Andhra Bank3 Sept 2014 to 5 Mar 2021₹175 crore
  • Indian Overseas Bank22 Mar 2014 to 22 Apr 2015₹25 crore
  • Lakshmi Vilas Bank Limited20 Feb 2014 to 12 Feb 2021₹25 crore
  • Dhanlaxmi Bank Limited17 Oct 2013 to 8 Nov 2016₹16 crore
  • Corporation Bank2 Aug 2013 to 4 Mar 2021₹30 crore
  • ICICI Bank Limited8 Mar 2013 to 8 Feb 2022₹60 crore
  • A Gopalakrishnan15 Sept 2012 to 29 Jan 2018₹2.62 crore
  • The Federal Bank LTD27 Jul 2012 to 26 Dec 2023₹15 crore
  • The South Indian Bank Limited25 Jul 2012 to 23 Mar 2021₹75 crore
  • Dhanlaxmi Bank Limited5 Mar 2012 to 14 Jun 2016₹24 crore
  • State Bank of Hyderabad10 Jun 2011 to 18 Sept 2018₹35 crore
  • Kotak Mahindra Bank Limited16 May 2011 to 19 Mar 2018₹15 crore
  • A Gopalakrishnan28 Sept 2010 to 25 Mar 2019₹78.96 lakh
  • HDFC Bank Limited20 Jan 2010 to 6 Dec 2025₹200 crore
  • Axis Bank Limited26 Sept 2009 to 9 Apr 2024₹35 crore
  • A Gopalakrishnan4 Apr 2009 to 27 Feb 2016₹19.16 lakh
  • A. Gopalakrishnan15 Jan 2009 to 27 Feb 2016₹6.56 lakh
  • The Dhanalakshmi Bank Limited22 Sept 2008 to 30 Nov 2009₹2 crore
  • State Bank of Travancore1 Aug 2008 to 18 Sept 2018₹135 crore
  • 3i Infotech Trusteeship Services Limited12 Jul 2008 to 26 Apr 2013₹20 crore
  • ICICI Bank Limited12 Jul 2007 to 9 Aug 2008₹10 crore
  • The Dhanalakshmi Bank Limited10 Jul 2007 to 31 Mar 2008₹2 crore
  • A Gopalakrishnan3 Feb 2007 to 4 Jan 2014₹40,000
  • A Gopalakarishnan21 Jan 2006 to 6 Feb 2012₹20 crore
  • A Gopalakrishnan27 Jun 2005 to 4 Jan 2014₹38,000
  • HDFC Bank Ltd.25 Aug 2004 to 16 Feb 2012₹10.45 lakh
  • Mr. A Gopalkrishnan Chartered Accountant30 Dec 2003 to 6 Feb 2012₹5 crore
  • Mr. A Gopalkrishnan Chartered Accountant16 Mar 2001 to 27 Mar 2007₹5 crore
  • Mr. P.P Zibi Jose9 Sept 1998 to 18 Apr 2012₹5 crore

What its filings add

Muthoot Capital Services files these with the registrar. Entiva fetches and reads them for you.

  • Every year · AOC-4

    Revenue, profit and the balance sheet

    Its financial statements, year by year.

  • Every year · MGT-7

    Who owns it

    Its shareholders, and how much each one owns.

  • Each loan · CHG-1

    Each loan in detail

    The terms, and which assets back each loan.

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The details on this page come from public records, including MCA's register of companies as Entiva read it on . Things may have changed since. A loan amount is the most the lender can claim against the company's assets, not what is still owed.