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Loans

Loan against Securities

Get flexibility of liquidity and access to cash when you need it, without selling off your securities.

 

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High-Value Loans

Upto 85% of security value

Interest on Utilisation

No EMI or post dated cheques required

No Prepayment Charges

No extra charges on early closure

Overdraft Facility

Against a number of securities

Features and Benefits

Interest Rates & Charges*
Sr. No Product Rate Of Interest (p.a.)
1 Loan Against Securities 10.50% to 12.50%
Renewal Charges
Sr. No Product Charges
1 Loan Against equity mutual fund Rs. 1000/- plus applicable taxes
2 Loan Against debt mutual fund Rs. 5000/- plus applicable taxes
3 Loan Against Listed bonds/Non Convertible Debentures Rs. 1000/- plus applicable taxes
4 Loan Against Life Insurance Policies. Rs. 1000/- plus applicable taxes
Other Charges
Sr. No Type Charges
1 ATM Issuance Charges Rs.100/- plus service tax as applicable
2 ATM Annual Maintenance Charges Rs.100/- plus service tax as applicable
3 Processing Fee Charges 0.15% of the loan amount or Rs.1000/- whichever is higher plus applicable taxes
4 Overdue Charges @24% per annum, 2% per month
5 Repayment Instruction/Instrument Return charges Rs.500/- plus service tax as applicable per instance
6 Cash Deposit Charges (Home Branch) Rs.2/- for per Rs.1000/-
7 Cash Deposit Charges (Non Home Branch) Rs.4.50/- for per Rs.1000/-
8 Cash Withdrawal Charges (Home Branch) Free
9 Cash Withdrawal Charges (Non Home Branch) Rs.2/- for per Rs.1000/-
10 NEFT Up to Rs.1 lac - Rs.5 per transaction;
above Rs.1 lac to Rs.2 lacs - Rs.15 per transaction;
above Rs.2 lacs - Rs.25 per transaction
11 RTGS above Rs.2 lacs to Rs.5 lacs - Rs.25 per transaction;
above Rs.5 lacs - Rs.50 per transaction
12 Account Statement - By post and e-mail Free
13 Account Statement - Duplicate statement from Branch Rs.50 per statement
14 Pledge Charges * As applicable
15 Charges for changing from fixed to floating rates of interest NA
16 Charges for changing from floating to fixed rates of interest NA
17 Prepayment Charges NA
18 No Due Certificate NA
19 Solvency Certificate NA

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