mob-head
Get App
close img

Find all the help you need

Download our app and find help on your fingertips

apple-logo playstore-logo
Download our app
Help Center

Support topics, Contact us, FAQs and more

Explore Personal Banking
Accounts
Deposits
Loans
Wealth & Insure
Payments
Cards
Blogs
What's special about us
Customer Support
Explore all Credit Cards
Premium Metal
0% Forex & Travel
Lifetime Free
10X Rewards
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
More
Customer Support
Explore NRI Banking
NRI Savings Account
NRI Fixed Deposit
GIFT City
FOREX Solutions
Transfer to NRE
Markets & Beyond
Customer Support
Explore Startup Solutions
Explore Corporate Banking
Corporate Account
Cash Management Services
Supply Chain Finance
Corporate Lending
Treasury
NBFC Financing
Customer Support
BRAVO (Auto Sweep)
Explore Business Banking
MSME Accounts
Trade Services
MSME Loan
MSME Solutions
Debit Card
Offers
Customer Support
Explore GIFT City
About Us
Investors
Careers
IDFC FIRST Academy
ESG

FOLLOW US ON :

Download Now

  • App Store
  • Google Play

Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

    Know More

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

    Apply Now

Avail Loan Against Investments
with ZERO service charges!

Tap into the value of your existing investments without liquidating them

Apply Now
Loan Against Securities Mobile Banner

Overview

Need funds without disrupting your portfolio? With our Loan Against Investments, you can borrow against your mutual funds and shares instantly and securely. Stay invested, stay in control.

Simply pledge your investments and access funds in no time.

Loan Simulator Calculator

Estimate Your Loan Against Investments with precision

Try our loan calculator today

Below calculator is for illustration purpose only. Actual sanction amount may vary basis the nature and value of securities

E.g. Debt Mutual Funds

01L

E.g. Equity Mutual Funds, Shares

01L

₹0

Shares and MF (Demat form) - Limit of ₹20 Lakhs per individual.

Equity Mutual Funds (Non-Demated) - Limit of ₹10 Lakhs per inidividual.

Debt Mutual Funds (Non-Demated): Limit of ₹50 Lakhs per individual.

Eligibility

Who can apply?

  1. Applicant must have a Savings Account with IDFC FIRST Bank
  2. Applicant must be between 21 and 70 years of age
  3. The value of investments should meet the minimum loan requirements of ₹50,000

Mutual Fund Eligibility

  1. Only Non-Demat mutual funds are eligible
  2. Mutual funds must be held under a single mutual fund account (single holding pattern)
  3. Only mutual fund schemes that are part of bank's approved list are eligible for pledging
  4. View Approved Mutual Fund List in the Document Section
  5. Unblocked units of ELSS funds are also eligible
 

Share Eligibility

  1. Only shares held in the NSDL depository are eligible
  2. Only Shares that are part of bank's approved list are eligible for pledging
  3. View Approved Shares List in the Document Section
Banner image

Steps to avail

Step 1: Get Started Step 1: Get Started Scan the QR code or click on Apply Now to start your application.
Step 2: Fetch Your Mutual Funds Step 2: Fetch Your Mutual Funds Securely retrieve your mutual fund holdings via MF Central OTP verification.
Step 3: Select Funds to Pledge Step 3: Select Funds to Pledge Choose the mutual fund schemes and the number of units you wish to pledge.
Step 4: Confirm and Access Funds Step 4: Confirm and Access Funds Authorize the pledge with an OTP. Once confirmed, your credit limit is set up for utilization.

Step 1: Get Started Step 1: Get Started Scan the QR code or click on Apply Now to start your application.
Step 2: Enter Demat Details Step 2: Enter Demat Details Select your depository (e.g., NSDL) and enter your Demat account credentials.
Step 3: Select Shares to Pledge Step 3: Select Shares to Pledge Authenticate via the NSDL portal, pick the shares you want to pledge, and approve the request by entering the OTP
Step 4: Get Instant Access to Funds Step 4: Get Instant Access to Funds Post confirmation of your pledge, your credit limit is set up for utilization.

Steps to avail

  • Step 1: Get Started

    Step 1: Get Started

    Scan the QR code or click on Apply Now to start your application.

  • Step 2: Fetch Your Mutual Funds

    Step 2: Fetch Your Mutual Funds

    Securely retrieve your mutual fund holdings via MF Central OTP verification.

  • Step 3: Select Funds to Pledge

    Step 3: Select Funds to Pledge

    Choose the mutual fund schemes and the number of units you wish to pledge.

  • Step 4: Confirm and Access Funds

    Step 4: Confirm and Access Funds

    Authorize the pledge with an OTP. Once confirmed, your credit limit is set up for utilization.

  • Step 1: Get Started

    Step 1: Get Started

    Scan the QR code or click on Apply Now to start your application.

  • Step 2: Enter Demat Details

    Step 2: Enter Demat Details

    Select your depository (e.g., NSDL) and enter your Demat account credentials.

  • Step 3: Select Shares to Pledge

    Step 3: Select Shares to Pledge

    Authenticate via the NSDL portal, pick the shares you want to pledge, and approve the request by entering the OTP

  • Step 4: Get Instant Access to Funds

    Step 4: Get Instant Access to Funds

    Post confirmation of your pledge, your credit limit is set up for utilization.

Fees & charges

Following are the fees & charges:

Processing fee NIL
Interest rate 9.5% P.A.
Interest Type Floating (Repo Rate + Spread)
Legal fee & documentation charges As per actual
Penal charges 2% P.M.
Annual Maintenance Charge ₹1000/- (upon each renewal)
Pre-payment charges Nil
No Due Certificate or No Objection Certificate Nil

Documents Section

Download the following to learn more:

PDF icon PDF icon

Approved list of Shares

PDF icon PDF icon

Approved list of Mutual Funds

PDF icon PDF icon

MITC

PDF icon PDF icon

Account Opening Form

PDF icon PDF icon

Terms & Conditions

Have questions? Here are the answers!

What is Loan Against Investments?

Loan Against Investments allows you to access funds by pledging your investments instead of selling them. This helps you meet financial needs while retaining ownership of your assets.

Which investments can I pledge for a Loan Against Investments?

Currently, you can pledge Mutual Funds to avail a loan. Loan Against Equity Shares will be available soon.

What is the tenure and repayment structure of the loan?

Loan Against Investments is an overdraft facility available for 12 months, which is auto-renewed annually as per bank policies. Interest is charged only on the utilized amount, and you can repay the principal anytime to reduce interest charges.

How is my loan limit determined?

Your loan limit is calculated based on the market value of your investments and applicable margin as per bank and regulatory guidelines.

Max loan limits are as follows:

Equity Mutual Funds – Rs. 10,00,000

Debt Mutual Funds – Rs. 50,00,000

What is the approved list of securities for availing Loan Against Investments?

For approved list of securities, please refer to the Document section on this page.

How do I avail a Loan Against Investments?

You can avail a Loan Against Investments through the IDFC FIRST Bank mobile app by following these steps:
1) Click "Get your instant loan" on the Loan Against Investment page. 
2) Select investment type (Equity or Debt Mutual Funds) and verify via OTP from MF Central. 
3) Choose mutual funds to pledge and specify loan amount. 
4) Once pledging is confirmed, the loan account will appear in the mobile banking app. 
5) Funds can be accessed as soon as the loan account is activated. 

What is the margin requirement for Loan Against Investments?

The margin varies between 15% and 50%, depending on the type of investment.

What are the charges for availing a Loan Against Investments?

No processing fees apply. Only a Service Tax and other government levies (Stamp duty & other statutory charges) are charged at the time of loan sanction.

How do I repay my loan?

You can repay your loan anytime through the IDFC FIRST Bank mobile app by visiting your Loan Against Investment dashboard.

What is the interest rate on Loan Against Investments?

The interest rate is fixed at 9.5% p.a., subject to revision at the discretion of the bank.

How do I un-pledge my investments?

You can un-pledge your investments anytime by submitting a request through the IDFC FIRST Bank mobile app. Alternatively, you may visit the nearest IDFC FIRST Bank branch or contact your Relationship Manager for assistance.

How long does it take to process a Loan Against Investments?

The processing time depends on the type of investment:

•  Loan Against Shares – The loan is processed within 24 hours through a fully digital process.

•  Loan Against Mutual Funds – The loan is processed within 2 hours through a fully digital process.

Once the loan is processed, you can start utilizing the amount instantly.

More FAQs