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Avail Loan Against shares
with ZERO service charges!

Tap into the value of your existing investments without liquidating them

Apply Now
Loan Against Securities Mobile Banner

Overview

The value of your investments holds great potential when it comes to empowering you with financial freedom. With our Loan Against Investment service, you can access funds instantly against your shares via your demat account. Leverage the power of your equity shares, all while retaining ownership and control. This means you can benefit from your investments other assets without liquidating them.

Read more

Whether you need funds to make a large purchase, or address an unexpected financial challenge, our Loan Against Securities facility provides a perfect solution to maintain your investment portfolio’s integrity while meeting your financial needs.

Choose our Insta LAS offering for availing of loans against listed shares.

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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

010Cr

040L

₹0

Shares and MF (Demat form) – Limit of Rs. 20 Lakhs per individual.

Equity Mutual Funds (Non-Demated)- Limit of Rs. 10 Lakhs per individual.

Key Benefit Loan Image

Key benefits of Loan Against Investments

Our Loan Against Investments facility empowers you to make strategic financial decisions without sacrificing the long-term potential of your investments. It's a smart and efficient way to access liquidity while preserving your wealth-building strategy.

  • Immediate liquidity: Access funds quickly without liquidating your investments
  • Retain ownership: Maintain ownership of your Investments while availing the loan
  • Flexible tenure: Enjoy an overdraft facility for 12 months, with automatic renewal
  • Competitive interest rates: Floating interest rates start from 9.5%*
  • Convenient process: Apply seamlessly through our mobile app with just a few clicks

Eligibility

Our Loan Against Investments facility empowers you to make strategic financial decisions without sacrificing the long-term potential of your investments. It's a smart and efficient way to access liquidity while preserving your wealth-building strategy.

Steps to avail

Through the DIY mode, customers can avail Loan Against Investments via the IDFC FIRST Bank Mobile App by following these steps:

Loan Icon 2 Step 1 Under Loans, click on ‘Loan on investments’
Loan Icon 3 Step 2 Select depository, enter the required details and proceed to verify your mobile number
Loan Icon 7 Step 3 On the NSDL website, complete the authentication and proceed to select Stocks & provide OTP consent for pledge initiation
Loan Icon 4 Step 4 Pledge confirmation by IDFC FIRST Bank
Step 1 Loan Process Icon Step 5 Overdraft account will be created & collateral tagging and limit set up in IDFC FIRST Bank - LAI OD A/C

Steps to avail

Through the DIY mode, customers can avail Loan Against Investments via the IDFC FIRST Bank Mobile App by following these steps:

  • Step 1

    Login to IDFC Mobile app

  • Step 2

    In Loan section >> Click on ‘loan on investments’ tab

  • Step 3

    Select depository, enter details like DP ID, Client ID and security type – Equity/Debt

  • Step 4

    Read Terms & Conditions and pricing agreement carefully

  • Step 5

    Verify via OTP received

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 Rs.1000/- (upon each renewal)
Pre-payment charges Nil
No Due Certificate or No Objection Certificate Nil

Downloads

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 Eligibility 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