Loan Against Shares
Get liquidity without selling your investments
Loan Against Shares lets you pledge approved shares and get funds as overdraft or term loan. You stay invested while managing short-term liquidity needs.
Key Highlights
- No need to sell shares
- Lower interest than many unsecured products
- Flexible drawing power in overdraft model
Eligibility Criteria
- Age: 21 to 70 years
- Active demat account required
- Shares should be in lender approved list
- Salaried, business owner, and investor profiles accepted
Required Documents
- Aadhaar and PAN Card
- Demat holding statement
- Bank statement (3 to 6 months)
- Basic KYC of borrower
- Pledge request confirmation
Interest, Charges and Limits
- Loan amount: Rs 50,000 to Rs 5 crore+
- Interest rate: 9% to 14% yearly
- LTV: up to 50% to 65% of eligible share value
- Tenure: 12 to 36 months
How the Process Works
- Submit share portfolio for review
- LTV is calculated as per approved list
- Shares are pledged in demat account
- Loan is approved after pledge confirmation
- Amount disbursed to bank account
Keep margin cushion because market movement can impact drawing power.
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