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“Loan Against Securities” itself states that it is a loan against marketable securities in which a customer pledges his investments in favour of the lender and borrows funds to meet his financial and personal requirements without selling his investment.

The purpose is to take care of all investments as well as personal needs and meet contingencies. It is the ideal way to get liquidity without liquidating your investments. It would make sense to avail of this facility when you are expecting a certain sum of money a few months down the line and need some funds in the interim.

Yes. You can pledge shares held with any Depository Participant in NSDL or CDSL.

Sharekhan has its approved list of scrips and it lends against only those scrips.

For loan against shares or equity linked mutual funds the Loan to Value (LTV) starts from 30% till 50% depending on the your requirement.

The LTV for loan against debt mutual funds or bonds starts from 60% to 90% depending on the type/class of securities.

In case your margin falls below the LTV, you will have to settle the differential amount or pledge more securities within seven days, failing which your securities will be squared off.

You can choose to foreclose your loan anytime you want, after the payment of interest and the principal loan amount. There are no charges for foreclosure.

Yes, you can part prepay as much as you want during the tenure of the loan without incurring any charges.

This will completely depend on the market rate of the securities that you have pledged. We will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities, or decrease the limit by de-pledging some of them, that's completely up to you.

Yes, you can release the same after repaying the loan amount to the effect that the margin is maintained as per requirement.

You can initiate a release request through your DP after repaying the loan amount and interest to Sharekhan.

You need to transfer the outstanding amount in favour of "Sharekhan Financial Services Pvt. Ltd." in any of the following banks.

HDFC Bank 602740001139 SFSL1139   HDFC0000060 HDFC Bank Ltd., Manekji Wadia Bldg., Ground Floor, Nanik Motwani Marg, Fort, Mumbai - 400 023.
ICICI Bank 405066244 SFSL244   ICIC0000004 Free Press House, 215, Nariman Point, Mumbai - 400021
AXIS Bank 173010200012421 SFSL421   UTIB0000173 Nariman Point, Mumbai - 400021
Kotak Mahindra Bank 1811416530  ------   KKBK0000958 Ground Floor, Mittal Court,  224,  Nariman Point, Mumbai - 400021
INDUSIND Bank 2.00999E+11  ------   INDB0000033 Ground Floor, Sonwala Building, Mumbai Samachar Marg, Fort, Mumbai - 400 001
YES Bank 1.83E+11  ------   YESB0000001 4th Floor, Nehru Centre, Dr A. B. Road, Worli, Mumbai 400018 

After depositing a cheque and / or transferring funds kindly send us an e-mail on and with details of your account and amount transferred/repaid, the same will be posted to the client ledger.

You need to transfer the interest amount in favour of "Sharekhan Financial Services Pvt. Ltd." in the account of any of the banks mentioned in point 10 above.

Once you have deposited a cheque and / or transferred funds kindly send us an e-mail on and with details of your account and amount transferred/repaid, the same will be posted to the client ledger.

You can access your account statement on or call us on 1800227500.

The minimum loan value is Rs. 50k.

We do that on a daily basis and in case of a fall in the market price and a shortfall in your account, you will be informed via an e-mail and a phone call to fulfill the shortfall either by repaying the principal or by pledging more stocks as per our approved list.

Yes, the shares will remain in your name. A loan against security lets you reap your regular benefits from shares such as rights, dividends and bonuses whilst you take a loan against them.


* Financing is against the securities approved by Sharekhan. **24 hours post account opening.
Disclaimer: Financing against securities is provided by Sharekhan Financial Services Pvt. Ltd. (SFSL), a group company of Sharekhan Ltd. #T & C apply. Loans would be provided based on discretion of SFSL. Terms subject to change.

Sharekhan Financial Services Pvt. Ltd. is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India. We provide a wide range of financing options. Regd. / Admin Add: - Lodha iThink Techno Campus, 10th Floor, Beta Building, Off. JVLR, Opp. Kanjurmarg Station, Kanjurmarg (East), Mumbai - 400 042, Maharashtra. Sharekhan Financial Services Pvt. Ltd.: RBI Regd. No. N-13.01810 ; IRDA Regd. No.: CA0126