Loan Against Securities

You make investments to grow your money. But what if you need funds urgently, and they’re tied up in securities? By selling them, you would be reducing your earnings, while also missing out on any future opportunities that may arise. In order to meet your short-term financial needs, Loan against Securities offers a good choice as you do not have to sell your stocks in haste. Moreover, the interest rate at which you get loan against securities is lesser as compared to a personal loan.

Most competitive interest rates
for Loan Against Securities

Instant liquidity

Interest on Overdraft facility
is charged only on utilized funds

Complete online access to funds

Tenure of 12 months renewable yearly

Multi-city Banking

Dedicated service desk

SMS and email alert services

Loan against securities is available in the form of an overdraft facility. It helps you get loan against the securities that you have, for the time being, merely pledged without selling them off in haste. The value of the overdraft limit that is advanced to you is determined on the basis of the securities like equity shares, mutual funds, bonds & insurance that is pledged by you.

The advantageous part of pledging your securities is one that you are able to get steady cash easily at the time you need it most and secondly you would not be devoid of the benefits as a shareholder. This means that you can enjoy your rights of receiving dividends and bonuses along with gaining from the price movements in the shares for which you have availed the loan from the bank.

Disclaimer

No lending will be done against:
- Partly paid up shares
- Physical shares
- Lock in shares
- Scrips in name of minor.
- Shares of Kotak Mahindra Bank
Stocks / Shares need to be part of our approved list of securities.
Not required if Primary Bank Account is Kotak Mahindra Bank.
For loans: *Conditions apply: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

Frequently Asked Questions

I have a single scrip in my portfolio; can I get limits against only one scrip?

Yes. You can avail of limits by pledging the single scrip, if it is part of our approved list of scrips.