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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 GST
2 Loan Against debt mutual fund Rs. 5000/- plus GST
3 Loan Against Listed bonds/Non Convertible Debentures Rs. 1000/- plus GST
4 Loan Against Life Insurance Policies. Rs. 1000/- plus GST
Other Charges
Sr. No Type Charges
1 ATM Issuance Charges Rs.100/- plus GST
2 ATM Annual Maintenance Charges Rs.100/- plus GST
3 Processing Fee Charges 0.15% of the loan amount or Rs.1000/- whichever is higher plus GST
4 Penal Interest
@24% per annum, 2% per month
5 Repayment Instruction/Instrument Return charges Rs.500/- plus GST per instance
6 Cash Deposit Charges (Home Branch)

Rs.3/- plus GST as applicable for per Rs.1000/-

7 Cash Deposit Charges (Non Home Branch) Rs.3/- plus GST as applicable for per Rs.1000/-
8 Cash Withdrawal Charges (Home Branch) Free
9 Cash Withdrawal Charges (Non Home Branch) Rs.2/- plus GST as applicable for per Rs.1000/-

Upto Rs 10000 - Rs. 2.50 per transaction plus GST as applicable

From 10,000 to Rs. 1 lakh - Rs.5 per transaction plus GST as applicable

Rs. 1 lac to Rs. 2 lacs - Rs. 15 per transaction plus GST as applicable

Above Rs. 2 lacs - Rs. 25 per transaction plus GST as applicable

11 RTGS Rs.2 lacs to Rs.5 lacs - Rs. 25 per transaction plus GST as applicable

Rs.5 lacs and above - Rs.50 per transaction plus GST as applicable

12 Account Statement - By post and e-mail Free
13 Account Statement - Duplicate statement from Branch

Rs 100 per statement plus GST as applicable

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

With effect from 1st July 2017, Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)

For further details, please Click here

Rs.2 Lacs to Rs.5 Lacs - 
Rs.2 Lacs to Rs.5 Lacs - 


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