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Loans

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

Interest Rates & Charges
Sr. No Loan amount (Rs.) Rate Of Interest (p.a.)
1 Sanction Limit upto Rs.20.00 lacs 11.50% to 12.50 *
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 Renewal Charges Rs. 1000/- plus applicable taxes

Schedule of Charges:
Sr. No Type Charges
1 Processing Fee Charges 0.15% of the loan amount or Rs.1000/- whichever is higher plus applicable taxes
2 Overdue Charges @24% per annum, 2% per month
3 Repayment Instruction/Instrument Return charges Rs. 500/- plus service tax as applicable per instance
4 Cash Deposit Charges (Home Branch) Rs.2/- for per Rs.1000/-
5 Cash Deposit Charges (Non Home Branch) Rs.4.50/- for per Rs.1000/-
6 Cash Withdrawal Charges (Home Branch) Free
7 Cash Withdrawal Charges (Non Home Branch) Rs.2/- for per Rs.1000/-
8 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
9 RTGS
  • above Rs. 2 lacs to Rs. 5 lacs - Rs. 25 per transaction;
  • above Rs. 5 lacs - Rs. 50 per transaction
10 Account Statement - By post and e-mail Free
11 Account Statement - Duplicate statement from Branch Rs 50 per statement

 

HAVE QUERIES?

  • When can the facility be renewed?

The facility can be renewed after 12 months

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  • What is the eligibility criterion for Loan against shares?

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

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  • 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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