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Loan against Shares

A loan tailored to meet each customer's personal needs.


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Pledge Shares Nationally

Pledge a share from any Depository Participant across the country

Overdraft Facility

Against single and combination of scrips from approved list

Interest on Utilisation

No EMI or post-dated cheques required

Loan Amount

Minimum - Rs. 1,00,000
Maximum - Rs. 20,00,000

Features and Benefits

From Rs. 1,00,000 to Rs. 20,00,000/-
Margin: 50% for multiple scrip* and 60% for single scrip
*The contribution of single scrip should not exceed 65% of the total portfolio value at any point of time during the tenure of the account. Loan is sanctioned as per applicable internal policy of the Bank.
Starting from 11.50% only
12 months after the date of sanction renew or review the loan
Against single and combination of scrips in dematerialised form from the approved scrips
Interest charged only on the amount utilised – no EMI or post-dated cheques required
Shares can be pledged from any Depository Participant across the country
ATM and cheque book facilities are available
Facility Tenure
  • Facility is granted for 12 months. This is reviewed and renewed at annual rests.
  • Pledge of adequate value of shares in dematerialised form from the approved scrip list.
Limit Available
  • This is based on the permissible drawing power against the dematerialised shares available for being pledged. Further drawing will be released only upon pledge of adequate value of dematerialised shares with prescribed margin and confirmation of marking of pledge on NSDL / CDSL screen Processing fee equivalent to 0.15% of the loan amount (applied for) will be collected along with the application form(taxes as applicable).
Penalty for early closure
  • Nil
  • Bank reserves the right to reject any application / renewal without assigning reasons thereof.
  • No loan under this scheme is granted for investment in capital market instrument.
  • The overdraft facility shall be disbursed / renewed only after all the required documentation and pledge creation formalities are complete.
  • The margin requirement will be reviewed regularly. In event of any volatile fluctuations in the prices of the scrips, the client shall make good the shortfall, if any, within four days, failing which the security will be enforced.
  • The applicant will undertake to inform the Bank as and when there is a change in address or employment.
The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Bank's discretion.

All of the above is subject to terms and conditions


  • When can the facility be renewed?

The facility can be renewed after 12 months

  • What is the eligibility criterion for Loan against shares?

This facility is available only to individuals (NRI and Resident) above the age of 18.

  • How much can one borrow in Loan Against Shares?

One can borrow a minimum of Rs 1 lakh and a maximum of Rs 20 lakhs


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