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 |
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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
Aadhar Card
PAN card
- 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
Avail quick and easy loans
for an emergency
Can be repaid
in the short term
Quick Processing
No Hidden Charges
Frequently asked questions
We prefer Category A and Category B shares for Loan Against Shares. Our team will guide you through the eligibility process
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.
We process loans efficiently! Once you submit all documents, we’ll process your application within 24 hours*
Our team at AFL will assist with pledging your shares, ensuring a seamless process with your consent
Please note that pledged shares cannot be transferred or sold until the loan is repaid
Yes, as per RBI regulations shares have to be from Cat A and Cat B only.
Rest assured, the loan won’t change your tax liability.
We’ll assess joint demat accounts on a case-by-case basis. Let’s discuss your options.
Please note that pledged shares cannot be sold until the loan is repaid. We’ll help you plan according