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Avail Loan Against shares
with ZERO service charges!

Tap into the value of your existing investments without liquidating them

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 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:

Step 1 Under Loans, click on ‘Loan on investments’
Step 2 Select depository, enter the required details and proceed to verify your mobile number
Step 3 On the NSDL website, complete the authentication and proceed to select Stocks & provide OTP consent for pledge initiation
Step 4 Pledge confirmation by IDFC FIRST Bank
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

Have questions? Here are the answers!

What is Loan Against Investments (LAI)?

Loan Against Investments is a credit offering that enables customers to avail a loan by pledging their investments in favour of the bank, instead of selling the investments in the market for funds.

What is the benefit of Loan Against Investments?

Imagine having a diverse portfolio of investments meticulously curated to align with your financial goals and aspirations. With Loan Against Investments, you don't have to disrupt your carefully constructed portfolio to access the funds you need. Instead of selling off your valuable assets, which could potentially disrupt your investment strategy or incur unnecessary taxes and fees, you can leverage them as collateral to secure a loan.

What are the types of Investments against which a Loan Against Investments can be availed?

Right from equity shares, mutual funds, bonds issued by government entities namely NABARD, PFC, REC etc., SGB, NSC-KVP & Life Insurance policies issued by private and public entities can be used to avail a Loan Against Investments. This means, loan against mutual funds and loan against shares also fall under this category. 

What is the tenure of this type of loan?

Loan Against Investments is an overdraft facility for a period of 12 months; upon completion of 12 months, the same gets auto renewed subject to terms and conditions of the bank.

What is the total overdraft limit and how is it calculated?

The total overdraft limit is the loan amount offered by the bank against the collateral value, after applying stipulated margins, as per the regulatory framework and the Banks’ guidelines.

What is the process for availing Loan Against Investments?

Loan Against Investments can be availed through IDFC FIRST Bank Mobile App through Do it yourself (DIY) mode through these steps:

  • Login to IDFC Mobile app
  • In Loan section >> Click on ‘loan on investments’ tab
  • Select depository, enter details like DP ID, Client ID and security type – Equity/Debt
  • Read Terms & Conditions and pricing agreement carefully
  • Verify via OTP received
  • Redirection to NSDL web page,
  • Client authentication on NSDL website
  • Stocks selection & OTP consent on NSDL website for pledge initiation
  • pledge confirmation by IDFC First Bank
  • Overdraft account will be creation,  & collateral tagging and limit set up in IDFC First Bank - LAI OD A/c  

What is the margin applied while loan sanction?

Margin in Loan Against Investments is in the range of 20-50% depending on the type of collateral security.

What are the various charges and fees?

There is a one-time processing fee and annual maintenance charge on completion of 1 year at the time of renewal of the facility.

How can I repay the Loan Against Investments?

Loan Against Investments can be repaid online via the mobile app, by visiting the Loan Against Investments overdraft account details page.

What is the Interest rate for the Loan?

9.50%  linked to repo rate of the Bank

How to un-pledge the Investments?

Investments can be un-pledged by submitting an online request in the mobile app or by submitting Annexure W or requesting your relationship manager.

More FAQs