Loan Against Securities Eligibility - Your Complete Guide
Unlock liquidity from your investments without selling. Understand eligibility criteria for loans against shares, mutual funds, and bonds.
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Check out our latest loan products with competitive rates and flexible terms
Personal Loan
HDFC Bank
Interest Rate
10.5% p.a.
Max Amount
₹40 Lakhs
Processing Fee
1% + GST
Tenure
Up to 5 years
Home Loan
SBI
Interest Rate
8.5% p.a.
Max Amount
₹2 Crores
Processing Fee
0.35% + GST
Tenure
Up to 30 years
Business Loan
ICICI Bank
Interest Rate
12% p.a.
Max Amount
₹75 Lakhs
Processing Fee
2% + GST
Tenure
Up to 7 years
Car Loan
Kotak Mahindra
Interest Rate
8.75% p.a.
Max Amount
₹25 Lakhs
Processing Fee
1.5% + GST
Tenure
Up to 7 years
Benefits of Loan Against Securities
Retain Ownership
Keep your investments and continue earning dividends while accessing funds.
Lower Interest Rates
Enjoy rates as low as 9% p.a., much lower than personal loans.
Quick Disbursal
Get funds within 24 hours with minimal documentation for eligible securities.
Loan Against Securities Eligibility
Get funds against your investments by meeting these criteria:
Ownership: Shares/Mutual Funds must be in the name of the applicant
Security Type: Securities must be on lender's "Approved List" (blue-chip stocks, AAA-rated bonds)
Demat Account: Must have active Demat account with approved depository
Age: 18 years and above with no upper age limit
Nationality: Must be resident Indian
Loan-to-Value: Typically 50-80% of security value depending on asset type
Meeting these criteria improves your chances of quick approval and better loan terms
Documents Required
KYC Documents
PAN Card, Aadhaar, Passport
Demat Account Statement
Latest holdings statement
Income Proof
Bank statements or ITR (for higher loan amounts)
Pledge Agreement
Duly signed pledge documents
Address Proof
Utility bills, Aadhaar
Photographs
Recent passport-size photos
Pro Tip
Keep all documents ready in digital format (scanned copies) to speed up the application process. Most lenders now accept online document uploads for faster processing.
Tips for Loan Against Securities
Pledge Blue-Chip Securities
Choose highly liquid, blue-chip stocks or AAA-rated mutual funds for higher LTV and better rates.
Monitor Market Value
Keep track of security values as margin calls may require additional pledging if value drops.
Plan Repayment
Have clear repayment strategy to avoid forced liquidation of pledged securities.
Diversify Pledged Assets
Avoid pledging all holdings in one sector to manage concentration risk.
Following these tips can significantly improve your approval chances and help you secure better interest rates
Get Instant Liquidity
Unlock funds against your investments today