Consider availing of a loan to invest in IPO

Capitalise on a time-sensitive opportunity and a promising IPO prospect with the help of Bajaj Finance’s IPO financing facility.

To avail of a loan to invest in IPO, complete the application process, provide minimal documents, and await approval. Upon approval, the funds will be disbursed to facilitate your IPO investment.

Features and benefits of our IPO Financing

Types of Loan Against Securities offered by Bajaj Finance Limited 00:49

Types of Loan Against Securities offered by Bajaj Finance Limited

Learn about the types of securities you can leverage for quick access to funds by applying for a loan against them

  • Loan of up to Rs. 1 crore

    Loan of up to Rs. 1 crore

    Now buy IPO by availing loan of up to Rs. 1 crore.

  • Non-cash margin

    Non-cash margin

    Increase your chances of allotment by applying for an IPO with only minimum amount. Get loan up to 99.90% of the IPO value.

  • Convenient tenure

    Convenient tenure

    Manage your loan easily with repayment options ranging from 3 days to 30 days.

  • No hidden charges

    No hidden charges

    All our charges are mentioned on this page. We advise you to read these in detail before applying.

  • Minimal documentation

    Minimal documentation

    With minimal documents, get loan to subscribe to IPO with minimal margin.

  • Competitive Interest rates

    Competitive Interest rates

    Get up to 99.90% of share value as a loan to subscribe to IPO. Annualised ROI of up to 24% per annum and/or flat interest up to Rs. 30,000 per IPO application until allotment.

  • Dedicated customer portal (My Account)

    Dedicated customer portal (My Account)

    Download your loan statement and manage your loan online with our customer portal – My Account.

    * Family to be considered as self, spouse, dependent parents, dependent children (not minors) and entities held with majority ownership. Family trusts will not be considered as part of family.

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Pre-approved offers

We have pre-approved offers for our existing and new customers. To check, all we need is your mobile number.

Check your pre-approved offer

You might not require a loan at this time, or you might not have a pre-approved offer. There is still a vast selection of products available, which you can choose from:

  • Set up your Bajaj Pay Wallet

    Set up your Bajaj Pay Wallet

    The 4-in-1 wallet gives you the option to transfer money or pay using UPI, EMI network card, credit card, and your digital wallet.
    Download Bajaj Pay

  • Check your credit health

    Check your credit health

    Two most crucial factors for you are your credit health and CIBIL score. Get our Credit Health Report to know your current financial health.
    Check your CIBIL Score

  • Pocket Insurance to cover all your life events

    Pocket Insurance to cover all your life events

    Choose from over 150 pocket-friendly insurance plans, starting at Rs. 19. They cover all life events, health, vehicle, and travel plans.
    Discover Insurance Mall

  • Set up an SIP for as little as Rs. 100 per month

    Set up an SIP for as little as Rs. 100 per month

    Select from over 1000 mutual funds from 40+ mutual fund companies, like Aditya Birla, SBI, HDFC, ICICI Prudential, and more.
    Discover Investment Mall

Eligibility criteria and documents required

To avail IPO Financing with Bajaj Financial Limited, you must meet the below criteria:

Eligibility criteria

  • Individuals/ Proprietorship
  • Age: 18 to 90 years
  • Non individuals (Pvt Ltd, Ltd, Partnership, LLP)
  • HUF
  • Trusts
  • Unincorporated Associations/Body of Individuals (Unregistered trusts/partnership firms shall be included under the term ‘unincorporated association’. body of individuals’ includes societies)

Documents required

  • Any KYC document: Aadhaar Card Passport/ Driving license/ Voter ID
  • Net Worth (CA certified) or last 5 years ITR returns
  • Holder of Valid Pan Card
  • Demat Account with Power of Attorney (POA)
  • Bank Account with POA

**Please note that the list of documents mentioned here is indicative. You will be notified on the complete list of documents required by our representative while filling the application form. In case of entities-Beneficial Ownership Declaration MSME related requirements to be given. Non individuals who want to apply for IPO financing can apply offline. They can reach out to us at

How to avail IPO Financing

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Step-by-step guide to avail IPO Financing

Step 1: Click on ‘Apply’ to initiate your loan for IPO application.
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 basic details like: Full name, Email ID, mobile number and city of residence.
Step 5: Under ‘Type of Security’ select ‘IPO Financing’.
Step 6: Enter the total portfolio value of the IPO you want to apply for and click on ‘Submit’.

Once you have completed all the steps, our representative will get in touch with your further proceedings

  • Did you know?

    You can pledge shares as margin to avail IPO financing

  • Did you know?

    You can avail loan with minimal documentation & charges

  • Did you know?

    You can manage your loan with convenient repayment tenure

  • Did you know?

    You can avail loan of up to 99.90% of IPO value.

Applicable fees and charges

The following charges are applicable on IPO financing:

Types of fees Charges applicable
Interest rate Up to 24% per annum and/or flat interest up to Rs. 30,000 per IPO application till the date of allotment
Processing fee Up to 4.72% of the loan amount (inclusive of applicable taxes).
Part-prepayment charges
Not applicable
Annual maintenance charges Not applicable
Bounce charges Not applicable
Penal interest ​​Up to 24% p.a. in case of default or in case of non-observance of any of the terms of the agreement
Stamp duty As applicable
Brokerage charges* As applicable
DP charges** As applicable
Account opening charges Up to Rs. 5000 (inclusive of applicable taxes)
Pledge confirmation charges** As applicable
Pledge invocation charges** As applicable
Demat share transfer charges (post invocation)** As applicable
Legal charges At actuals

*Charges levied by Broker to BFL and the same is recovered from the clients.

**Charges levied by NSDL to BFL and the same is recovered from the clients.

Frequently asked questions

What is IPO financing?

IPO financing is a loan that enables investors to invest more in an IPO. Once the shares are allotted, the investor must repay the loan.

Is IPO Financing secured or unsecured?

IPO financing is a secured loan where the shares applied for in the IPO serve as collateral for the lender. The lender has full right over the allotted shares. If the proceeds after the sale is not enough to repay the loan, the borrower is liable to make up for the shortfall. In these cases, the borrower is personally responsible for repaying the loan amount.

What does the regulatory framework states about IPO Financing?

The SBR stipulates a ceiling limit of Rs. 1 Crore per borrower in case of IPO financing by NBFCs.

  • Lender should be an NBFC
  • The funds should be lent for IPO financing
  • The ceiling limit is Rs. 1 Crore 
  • The limit is applicable per borrower
What is a tenure for IPO Funding?

Typically, the IPO funding is provided for a short duration, i.e., 3-30 days.

What is the interest rate for IPO financing?

Bajaj Finance offers interest rate of up to 24% per annum and/or flat interest up to Rs. 30,000 per IPO application till the date of allotment for IPO Financing.

Apart from that there are other fees applicable. Common fees include processing fees, part-prepayment fee, foreclosure charges and many more. These fees are typically charged upfront or deducted from the loan amount and can add to the total cost of the loan.

Is IPO a debt financing?

No, an IPO (Initial Public Offering) is not a debt financing, but rather a type of equity financing. In an IPO, a private company raises capital by offering shares of the company to the public for the first time, and the investors who buy these shares become part-owners of the company. This is in contrast to debt financing, where a company borrows money from lenders and agrees to repay the loan with interest over time.

How to get IPO financing?

To apply for IPO financing, click on the ‘Apply’ button on the page. Enter your phone number and verify by entering the OTP sent to your number. Fill in your personal details, type of security, the value of bonds, and submit the form.

What are IPO loans?

IPO loans are types of loans provided by financial institutions to help investors fund their purchase of new shares during an initial public offering (IPO). These loans are usually short-term, and investors often use them to bridge the gap between buying the IPO shares and receiving the higher returns. However, IPO loans come with risks and often require careful consideration before deciding to take one. It's advisable to weigh the pros and cons carefully, including factors like interest rates, repayment terms, and market conditions, before applying for an IPO loan.

How does IPO financing work?

IPO financing allows investors to participate in Initial Public Offerings (IPOs) by borrowing funds from financial institutions. Investors apply for loans or margin accounts to cover the purchase of IPO shares. Once the IPO shares are allocated, investors can repay the borrowed funds or use their gains to settle the debt. IPO financing provides an opportunity to invest in new stock offerings, potentially profiting from the stock's price increase upon trading commencement. However, it also carries risks, as investors must repay the borrowed funds regardless of the IPO's performance.

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Investments in the securities market are subject to market risk, read all related documents carefully before investing.

Reg Office: Bajaj Auto Limited Complex, Mumbai –Pune Road Akurdi Pune 411035. Corp. Office: Bajaj Financial Securities Ltd., 1st Floor, Mantri IT Park, Tower B, Unit No 9, Viman Nagar, Pune, Maharashtra 411014. SEBI Registration No.: INZ000218931 | BSE Cash/F&O (Member ID: 6706) | NSE Cash/F&O (Member ID: 90177) | DP registration No: IN-DP-418-2019 | CDSL DP No.: 12088600 | NSDL DP No. IN304300 | AMFI Registration No.: ARN – 163403. Website:

IPO Financing is done through Bajaj Finance Limited. Bajaj Finance Limited (BFL or Lender) reserves the sole right to decide participation in any IPO and financing to the client shall be subject to credit assessment done by the lender. Also, BFL shall have full rights to decide the commercial terms for IPO and final application and financing shall be subject to all requirements being met by the client in a timely manner including documentation, account setup and payment of required Interest and Margin. Bajaj Finance Limited also reserves the exclusive rights to change any of the above-mentioned terms and conditions without prior notice to clients. The scheme margin is subject to change. UPI is mandatory to bid in all IPOs through our platform. As per exchange guidelines, all the UPI mandates will only be accepted till 5:00 PM on IPO closure day.