Loan against shares

Use your share portfolio to secure a loan without having to sell your investments. Our Loan Against Shares offers quick disbursal, competitive interest rates, and the flexibility to continue enjoying the benefits of your investments while accessing funds for immediate needs.

Loan against shares

Use your share portfolio to secure a loan without having to sell your investments. Our Loan Against Shares offers quick disbursal, competitive interest rates, and the flexibility to continue enjoying the benefits of your investments while accessing funds for immediate needs.

Key Features

Loan Amount

5 lacs – 1 Cr

Tenure

Upto 2 years

Interest rate

Starting from 10.5%*

Eligibility Criteria

Criteria Requirement
Age 21 to 65 years
Credit Score 700+ subject to financial assessment as per internal policy excluding housing societies
Securities Must be from Cat A and Cat B shares
Citizen Only Indian resident is eligible

EMI Calculator

Loan Amount
5L 1Cr
Loan Tenure months
1M 24M
Interest Rate(% p.a.) %
10.5% 24%
Your loan EMI is
66,165/-
Principal Amount 13,00,000/-
Interest Amount 2,87,960/-

Fees and charges

Features and Fees Charges
Interest rate 10.5%* pa onwards
Loan amount 5 lacs to 1 Cr
Processing Fees 1% of loan amount + applicable taxes
Loan Tenure 3 months to 24 months

Documents required

KYC Documents

Aadhar Card

PAN card

Income Documents
  • Business proof/Income proof
  • Additional as per internal policy

Loan process

Step 1

Apply for Loan

Step 2

Our team will contact you

Step 3

Sanction of loan

Step 4

Disbursal documentation

Step 5

Disbursal of Loan

Benefits

money bag

Avail quick and easy loans
for an emergency

income

Can be repaid
in the short term

chargeback

Quick Processing

secure

No Hidden Charges

Frequently asked questions

What types of shares are eligible for a Loan Against Shares?

We prefer Category A and Category B shares for Loan Against Shares. Our team will guide you through the eligibility process

How much can I borrow against my shares?

Our internal policy sets the borrowing limits, with a portfolio limit restricted to 30% Loan-to-Value (LTV). We’ll help you determine the perfect fit.

How quickly can I get approved for a Loan Against Shares?

We process loans efficiently! Once you submit all documents, we’ll process your application within 24 hours*

How do I pledge my shares to secure the loan?

Our team at AFL will assist with pledging your shares, ensuring a seamless process with your consent

Can I sell or transfer my pledged shares?

Please note that pledged shares cannot be transferred or sold until the loan is repaid

Can I use the loan to buy more shares or invest in other assets?

Yes, as per RBI regulations shares have to be from Cat A and Cat B only.

How does the loan impact my tax liabilities?

Rest assured, the loan won’t change your tax liability.

Can I get a loan if I have a joint demat account?

We’ll assess joint demat accounts on a case-by-case basis. Let’s discuss your options.

How does the loan impact my share trading activities?

Please note that pledged shares cannot be sold until the loan is repaid. We’ll help you plan according