Features and benefits of our loan against shares
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Features and benefits of a Loan Against Shares
loan against shares benefits include liquidity while investments stay intact, supported by LAS features that enable borrowers to pledge shares for loan easily.
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Pre-assigned loan limit
Get a pre-assigned loan limit of up to Rs. 1000 crore with just 3 documents.
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1000+ approved shares
With our comprehensive list of 1000+ shares, you can avail loan of up to 50% of your share value. Check the approved list of share.
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Tenure of up to 36 months
Convenient tenure and repayment options starting from 7 days up to 36 months.
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Continue earning your dividends
You keep earning dividends on your shares while availing loan against it.
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Only pay interest on loan amount utilised
Pay interest on the withdrawn loan amount, for the utilised period. You do not need to pay EMI on the total approved loan.
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All third party DP shares acceptable
All company’s or DPs(depository participants) DEMAT accounts are acceptable with us.
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Extra credit for increased share value
If the value of your share increases during the tenure of the loan, the eligible pre-assigned loan limit will increase. Similarly in case the value of share falls, the pre-assigned loan limit will reduce proportionally. This would be subject to “Sanction limit” not getting breached.
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Swap pledged shares when required
You have the flexibility to swap the pledged shares at any point of time during the tenure.
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Dedicated customer portal (My Account)
Download your loan statement, release share, and manage your loan online with our customer portal – My Account.
How to apply for a loan against shares
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Frequently asked questions
A loan against shares is a secured loan where listed shares are pledged as collateral. The loan amount depends on share value, is offered as a percentage of market value, allows EMI repayment, and supports prepayment as per lender terms.
For loan against shared with Bajaj Finance, you can pledge over 1000 shares from 40+ AMCs.
Click here to check the list of approved shares.
A loan against shares offers lower interest rates, lets you retain ownership of investments, charges interest only on the utilised amount, provides flexible repayment options, and allows funds to be used for multiple personal or business needs.
Yes, you continue to earn dividends and retain shareholder rights even if your shares are pledged for a loan. However, the lender holds them as collateral until you repay the borrowed amount.
Yes, with a loan against shares, you can withdraw only the amount you require from the approved limit. Interest is charged only on the utilised portion, making it a flexible and cost-effective borrowing option.
Yes, you continue to receive dividends and bonus benefits on pledged shares. Ownership remains with you, while the shares are temporarily held as collateral by the lender until the loan is repaid.
The Loan-to-Value (LTV) ratio is based on the market value of your pledged shares, usually capped by regulatory norms. It may fluctuate if share prices change, potentially requiring you to add more collateral.
You can access online pledge creation, instant fund disbursal, real-time portfolio tracking, EMI management, and secure repayment options through digital platforms, ensuring complete transparency and convenience throughout your loan journey.
If your lender offers “no foreclosure charges,” you can close or prepay your loan anytime without paying an additional fee, saving on interest costs and giving you financial flexibility.
Compare interest rates, LTV ratio, processing fees, repayment flexibility, digital services, and prepayment terms. Also review the approved list of shares and the lender’s responsiveness for margin calls or value fluctuations.
