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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 GST
2 ATM Annual Maintenance Charges Rs.100/- plus GST
3 Renewal Charges Rs. 1000/- plus GST

Schedule of Charges:
Sr. No Type Charges
1 Processing Fee Charges 0.15% of the loan amount or Rs.1000/- whichever is higher plus GST
2 Penal Interest @24% per annum, 2% per month
3 Repayment Instruction/Instrument Return charges Rs. 500/- plus GST per instance
4 Cash Deposit Charges (Home Branch) Rs.3/- plus GST as applicable for per Rs.1000/-
5 Cash Deposit Charges (Non Home Branch)

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

6 Cash Withdrawal Charges (Home Branch) Free
7 Cash Withdrawal Charges (Non Home Branch)

Rs.2/- plus GST as applicable for per Rs.1000/-

8 NEFT
  • 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

9 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
10 Account Statement - By post and e-mail Free
11 Account Statement - Duplicate statement from Branch Rs 100 per statement plus GST as applicable

 

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)




HAVE QUERIES?

  • 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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