Don't Sell Your Shares, Take a Loan Instead

A loan against shares online is a facility where you pledge your stock investments or equity shares as collateral in exchange for a loan. It is an instant source of funds to meet your immediate financial needs. Borrowers can avail of such a loan offline and online. In either case, the process for getting it approved is quite simple. The advantages of taking a loan against shares include low-interest rates, flexibility in repayment terms, and easy availability of funds.

A quick loan against shares provides liquidity to investors without having them sell their stocks and incur losses due to market fluctuations. It is an ideal solution for those who need funds but do not wish to compromise on the returns from their investments.

A loan against shares is a type of loan that allows individuals to use their shares as collateral to borrow money. Borrowers can use it for various purposes, including starting a business, financing an education, investing in capital assets, or more.

Irrespective of what you need it for, taking out an instant loan against shares saves you from selling your investments in haste, incurring unexpected losses due to market downfall, and paying income gain tax.

But if you want to borrow money against your shares, it is crucial to understand the loan against shares eligibility requirements. To be able to take a loan, you must be 18 or above with investments in the share/stock market. It is a way to access quick funds in times of financial need.

A loan against shares is one of the most convenient options available to stock market investors. It allows you to borrow money against your shares held in your Demat account.

This loan option provides access to liquidity without requiring you to sell off your investments. It also helps you manage any urgent financial needs.

The features of a quick loan against shares include flexible repayment options and lower interest rates than traditional loan products, such as personal loans or credit card loans. You can also enjoy tax benefits on the interest paid towards this loan..

Moreover, you don’t need additional security or collateral for this type of loan, as your shares act as collateral for the lender.

An instant loan against shares is an innovative product offered by Abhi Loans and financial institutions to help investors meet their short-term financial needs. This product enables investors to access 50-60% of their stock market portfolio value instantly, with minimal paperwork and at attractive interest rates. The loan amount depends on the market value of the shares you pledge as collateral.

The minimum and maximum credit limits may vary from lender to lender. At Abhi Loans, you can access a minimum loan amount of Rs. 15000. The maximum amount we offer on a loan against stocks is Rs. 1,00,00,000. We do not also check your credit history before sanctioning the loan.

The answer is yes. Even if you have pledged your shares as collateral to get a quick loan online, you will continue to earn dividends/bonuses from them. Pledging your shares does not mean you have foregone your right to receive dividends and bonus.

Pledging your shares is a smart move if you want to access liquidity while still enjoying the benefits of owning shares. It does not mean that you are giving up your rights to dividends or bonuses as they remain yours and can be accessed when the market rises. With careful planning, pledging your shares can help maximize returns without compromising on returns or liquidity.

Pledging your securities is an effective way to get quick funds when you need them most. An instant loan against shares allows you to borrow money against approved securities such as stocks, bonds, and mutual funds. The amount of funds you can get depends on a few factors, such as the type of security pledged and its current market value.

The loan amount could be 50-75% of the value of the securities you want to pledge as collateral. The percentage may also vary from lender to lender. It is crucial to evaluate the market value of your securities and other requirements set by the lender before applying for a loan against shares.

At Abhi Loans, you can get flexible loan amounts on your securities, starting from Rs. 15000. The maximum amount you can get access to could be Rs. 1,00,00,000.

When borrowing money, the loan against shares, rate of interest is one of the crucial factors that affect the pricing of the loan. Your loan will be priced based on the interest rates applied to it.

Our loan against shares interest rate starts from 0.67% flat interest rate per month. This converts to a yearly flat rate starting from 8%, depending on the plan you select. Other factors that determine the total cost of your loan include the processing fees and GST added. The processing fee is 2% or Rs. 1000 (whatever is higher). Also, there are annual renewal charges (which can be as low as Rs. 999+GST) if you wish to extend the loan tenure. The sum of all these charges will determine the cost of a loan against securities.