How to Apply for Loan Against Shares

Apply online in just a few easy steps to get out loan against shares.

How to apply for a loan against shares

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Step-by-step guide to apply for loan against shares

Step 1: Click on the ‘Apply Now’ button.
Step 2: Enter your mobile number to Sign in and click ‘GET OTP’.
Step 3: Enter the OTP sent to your mobile number. On successful verification, you will be redirected to our online application form.
Step 4: Enter your basic details like – PAN, DOB and email ID.
Step 5: Check your loan eligibility by entering your security name and quantity.
Step 6: Choose the loan amount you wish to avail.
Step 7: Get your KYC done using Digilocker or by manually uploading the documents.
Step 8: Enter your bank details and verify.
Step 9: Proceed for e-agreement and e-mandate by authenticating it via OTP.
Step 10: Your loan will be disbursed after successful pledging and verification

More details

The loan amount for a loan against shares can increase if the value of the shares used as collateral for the loan increases. This is because the loan amount is typically calculated as a percentage of the value of the shares, which is known as the loan-to-value ratio (LTV).

For example, if the LTV is 50% and the value of the shares is Rs. 10,000, the maximum loan amount would be Rs. 5,000. However, if the value of the shares increases to Rs. 15,000, the maximum loan amount would increase to Rs. 7,500 (50% of Rs. 15,000).

It's important to note that the LTV and loan amount will also depend on other factors, such as the borrower's creditworthiness and the lending institution's policies. Additionally, the lending institution may require additional collateral or adjust the LTV based on market conditions or other factors.

Frequently asked questions

How can I get a loan against shares?

If you have a minimum of Rs. 50,000 shares in your demat account, you can apply for a loan against shares with Bajaj Finance. Against the shares you can get loan amount ranging from Rs. 10,000 to Rs. 5 crore.

How can I apply for loan against shares?

You can apply for loan against shares by clicking on the ‘Apply’ button on this page. Fill in your personal details, and the value of your shares. Accordingly verify your details through an OTP.

Corporates/ HUF/ LLP/ Partnership can apply for loan against shares of up to Rs. 1000 crore, by reaching us at

How does loan against shares process work?

A loan against shares (LAS) is a type of loan where the customer pledges their shares as collateral to obtain a loan from Bajaj Finance. The process of obtaining a loan against shares typically involves the following steps:

  1. Evaluation of shares: The lender will evaluate the shares that the borrower wants to pledge as collateral. The lender will consider the value of the shares, the market conditions, and the risks involved.
  2. Loan amount: Based on the evaluation of the shares, Bajaj Finance will determine the maximum loan amount that can be provided. Bajaj Finance offers loan up to 50% of the market value of the shares.
  3. Loan terms: The borrower and Bajaj will agree on the terms of the loan, including the interest rate, repayment period, and any other conditions.
  4. Pledge of shares: The borrower will pledge the shares as collateral with Bajaj FInance, corresponding to which the loan amount will be disbursed to the borrower.
  5. Repayment: The borrower must repay the loan amount along with the interest within the agreed-upon period. If the borrower fails to repay the loan, Bajaj has the right to sell the pledged shares to recover the loan amount.

In summary, a loan against shares provides a way for borrowers to access funds while still retaining ownership of their securities


* Subject to sole discretion of Bajaj Finance Limited and regulatory guidelines.