Loan Against Securities


  • Use your investments to get liquidity, without selling them.
  • Get upto 80% loan against the value of your securities. Term loans on select securities offered too!
  • You will have to pay interest only when you actually use the loan.

The securities that you may decide to pledge must be one of the following:

  • Equity Shares.
  • Mutual Funds (Equity, Debt, FMPs) upto 50% of NAV (Net Asset Value).
  • Gold ETF
  • Gold Deposit Certificates (GDC)
  • RBI Bonds - 8% Savings Bonds 2003 (Taxable)
  • National Savings Certificates (NSC)
  • Kisan Vikas Patra (KVP)
  • NABARD's Bhavishya Nirman Bonds
  • Life Insurance Policies issued by LIC and select Private Insurance Companies.

Why sell securities if you can simply draw a loan against them?

EMI payments: You don't have to be hassled about EMI payments. Simply service your Interest payments by way of credits in your account every month Interest is calculated only on the amount of loan you actually use.

Extra charges: You will not face the cumbersome process of dealing with post dated cheques or pre payment charges.

Approved Securities: There is no limit to your options. We have on offer an exhaustive list of approved securities for you to pledge from.

Efficient Servicing: We're known for speedy and efficient service. You loan processing will take no time.

Loan amount: You can avail upto 80% loan on the value of securities pledged.

Term Loans: Want a Term loan against securities? No problem. We offer this facility on select securities.

Single Scrip Lending service: Get upto 50% of the value with any Depository Participant. Click here for more details.

Limit: You can avail of a minimum loan amount of Rs. 2 lakh.

Interest payments: You will have to pay interest only on the amount of loan you use. It will be calculated on the daily outstanding balance and debited to your account at the end of every month.

Pledging options: You can pledge shares from any Depository (NSDL or CDSL) and any Depository Participant across the country.

Options for NRI applicants: Are you an NRI wanting to avail this loan? You can choose from options of shares, mutual funds (equity, debt or FMPs),Gold ETF, Insurance Policies, NSC or KVP.

Current Account benefits: A current account with an overdraft limit will be created for you. Hence you can enjoy all the benefits that we offer on the Current Account. You will be able to enjoy some of our popular facilities like Phone Banking, NetBanking, FREE International Debit Card.