Loan Against Shares
Liquidity from your share holdings.
About Loan Against Shares
A loan against shares lets you borrow against listed shares, mutual funds or other approved securities without selling them. You keep ownership and any dividends, while the securities are pledged to the lender.
Only securities on the lender’s approved list qualify, and the amount you can borrow is a percentage of their market value.
Estimate your EMI
Why consider Loan Against Shares
Keep your investments
Avoid selling at the wrong time or triggering capital gains tax.
Quick access
Pledging dematerialised securities can be fast.
Interest on what you use
Often structured as an overdraft limit.
What providers usually look at
- Securities held in your demat account
- Securities on the lender’s approved list
- KYC-compliant individual or entity
- Understanding of margin calls if market values fall
Every provider sets its own criteria. Meeting these does not guarantee approval.
Documents commonly requested
- PAN and KYC
- Demat account statement
- Bank account details
- Income proof, depending on loan size
Have these ready to speed things up. Your provider may ask for more.
How Fundslelo helps
- 1
Share your need
Answer a few questions about what you need.
- 2
Get a reference number
Track your request any time.
- 3
Review options with us
We explain which providers may suit you.
- 4
Apply with the provider
The provider assesses and decides.
Ready to explore Loan Against Shares?
It takes a few minutes. We aim to respond within 12–24 business hours.
Questions about Loan Against Shares
What happens if the share price falls?
If the value of pledged securities drops below the required margin, the lender can ask you to add securities or repay part of the loan. If you don’t, they may sell some of the pledged securities.