Loan Against Securities

You can avail up to Rs. 1,000 crores in certain cases. Minimum limits aren’t explicitly listed but offers start from as low as Rs. 25,000 in some categories.

The processing fee is up to 4.72% of the loan amount (inclusive of tax). For full prepayment: up to 4.72% of outstanding if sanction is greater than Rs. 5 crores; nil if sanction is less than Rs. 5 crores. Annual maintenance/renewal fee up to 1.18% of sanctioned amount.

Once your shares are successfully pledged and verification is complete, the loan amount is typically disbursed within 24 to 48 working hours to your registered bank account, ensuring quick access to liquidity without liquidating your investments.

Revaluation refers to the periodic assessment of the market value of your pledged shares. Bajaj Finserv regularly reviews these values to ensure they meet the required Loan-to-Value (LTV) ratio and maintain adequate collateral coverage.

Interest is charged only on the amount utilised, calculated on a daily basis and billed monthly. You’ll receive timely intimation and account statements before any interest or charge is deducted from your linked account.

Yes, shares held with CDSL can be lien-marked digitally. You can pledge eligible securities through the CDSL portal by approving the lien request initiated by Bajaj Finserv to secure your loan against shares.

If your loan creation fails after pledging, the pledged shares are automatically released within a short period. You’ll receive a confirmation once the release is processed, ensuring your holdings remain fully in your control.

To avail of a loan against mutual funds, start by applying online and entering your mobile number and PAN. Complete your KYC verification and select the mutual fund units you wish to pledge. Once the lien is marked on these units, proceed with the agreement and bank verification. After successful verification, the approved loan amount is disbursed directly to your bank account.

The tenure ranges from as short as 7 days up to 36 months. Renewal beyond that is at the lender’s discretion.

Your mutual fund units stay invested; you do not need to redeem them. They are marked under lien with the lender, so you can’t sell or switch them until the loan is repaid. Meanwhile you continue to earn returns.

Once lien is processed and documentation/KYC are completed, funds are disbursed to your bank account within a short time (minimal time).

You can get up to 90% of your eligible mutual fund value as the credit limit. The exact amount depends on fund type (equity/debt/hybrid) and the current NAV.

Once your policy is verified and lien marked, the loan is processed quickly. Typically, disbursal happens within 24–48 hours, ensuring instant liquidity without the need to surrender your insurance policy.

A loan against your insurance policy is a secured form of credit. Since your policy acts as collateral, it does not directly affect your credit score unless repayments are missed or delayed.

Interest rates for a loan against a life insurance policy are competitive and depend on the policy type and lender’s terms. Bajaj Finserv offers attractive rates, making it an affordable liquidity option for policyholders.

The maximum loan amount depends on your policy’s surrender value. Bajaj Finserv offers loans of up to 80% of the surrender value on eligible ULIP insurance policies.

The surrender value is the amount you receive if you discontinue your life insurance policy before maturity. It’s calculated based on paid premiums, policy term, and bonuses, and also determines your eligible loan amount.

The interest rate on a loan against FD is typically 2% higher than the FD rate. This makes it a cost-effective way to meet short-term cash needs while your deposit continues to earn interest.

You can avail of a loan of up to 75% of your fixed deposit value. The exact amount depends on your FD tenure, amount, and lender’s policy terms.

The overdraft limit is usually up to 75% of your FD amount. Bajaj Finserv allows you to withdraw funds flexibly, paying interest only on the utilised amount.

The loan against FD is processed quickly once the FD is verified and lien-marked. Disbursal typically happens within a few hours, ensuring instant liquidity without breaking your deposit.

The disbursal process for a loan against mutual funds is usually quick once your application and pledge request are completed. In many cases, funds can be credited within a few hours to 1–2 working days, depending on verification and lender processes.

A loan against mutual funds is often more cost-effective than an unsecured loan because it is backed by your investments. This usually results in lower interest rates, quicker approvals, and continued ownership of your mutual fund investments while accessing liquidity.