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Loan Against Security

Loan Against Security

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Leverage your securities to access instant liquidity without selling your assets.

A loan against security allows you to borrow money by pledging financial assets like shares, mutual funds, bonds, or life insurance policies as collateral. This type of loan is beneficial because you don’t have to sell your investments you can continue earning returns while accessing funds.

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Eligibility criteria for Loan against Securities

✅ Given below are some of the eligibility criteria you will be required to fulfill in order to be eligible to avail loan against securities from a bank:

✅ Should be a resident of India

✅ Should be at least 21 years of age

✅ You should either be a salaried or a self-employed individual

✅ The security against which you are availing the loan should be approved by the bank

Securities Loans Available Against the Following

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Features of Loan Against Securities

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Loan against security is a secured Loan. Debentures, shares, bonds or mutual funds are offered as collateral.

The tenure of the loan against security is one year, but it can be easily renewed.

The rate of interest usually ranges from 12 - 15%. The rate varies from bank to bank.

The processing fee is usually charged at the rate of 2% of the loan amount.

The loan amount depends on the security the borrower is offering.

The no charges for prepayment of the loan.

The borrower is required to be within the age bracket of 18 - 65 years to apply for a loan against security.

The loan has to be repaid within the fixed period. If the borrower fails to make the payment, the lender can file a case for recovery and the balance amount has to be repaid within 3 years from the date of sanction of the loan.

Frequently Ask Questions


Most of the banks in India provides you the option of foreclosing your loan against securities account after the payment of the loan amount including the interest. A foreclosure charge will however be applied. However, the option of foreclosing your loan against security may differ from bank to bank.
Yes, the lender will inform you about the latest limit by sending an e-statement to your bank account.
Yes, your securities should be in the demat form. In case you cannot pledge your securities in the demat form, there are banks in India who offer you the option of pleding your securities held with any Depository Participant in NSDL or CDSL.
Yes, you can avail loan against security by converting your physical securities into a dematerialised form by opening a depository account with the lender.

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