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📈 Finance Product

Loan Against Shares

Borrow against your shares without selling them.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Upto 50 cr
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Shares — Key Facts

Loan Amount / Ticket size
Upto 50 cr
Interest Rate / Cost
From \~9.5% p.a. (on drawn amount)
Collateral
Pledge on approved listed shares
Tenure
Overdraft, typically renewed annually
Turnaround Time
Fast, on lien marking
Best For
Investors needing liquidity while staying invested
Overview

What It Is & How It Works

⚠️ Regulatory note: Effective July 2026, the RBI applies an aggregate cap of ₹1 crore per borrower on loans against listed securities (LTV-eligible). We structure your facility within the applicable limits and confirm the current cap at the time of sanction.

Overdraft-style facility secured by a pledge on listed shares. Ownership stays with you and interest is charged only on the amount actually drawn.

How It Works

The Process, Visualised

How the pledge worksYour SharesPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Holder of approved listed shares in demat form
  • Shares from the lender\'s approved scrip list
  • KYC-compliant individual, HUF, or company
  • Willingness to pledge / mark a lien on the shares
  • Acceptable credit profile

Documents Required

  • Demat account statement / holding statement
  • PAN and Aadhaar
  • Bank account details for the overdraft
  • KYC of the applicant
  • Board resolution (for company applicants)
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Shares

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

No. You pledge the shares and draw an overdraft against them --- ownership stays with you, and you continue to receive dividends and any upside.
The loan-to-value runs from about 40% to 90% of market value depending on the scrip\'s quality; note the RBI\'s aggregate cap of ₹1 crore per borrower on loans against securities, effective July 2026.*
Interest is charged only on the amount you actually draw, not the full sanctioned limit --- so an idle limit costs you nothing.
If share prices fall and breach the required cover, the lender may ask you to add securities or repay part of the loan to restore the margin.
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Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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