Get Instant Loan Against Shares

A loan against shares is a type of secured loan where you can borrow instant money by pledging the shares as collateral. The borrower retains ownership of the shares, but the lender holds them as security until the loan is repaid. The loan amount is typically a percentage of the market value of the pledged shares. In case of default, the lender can use the pledged shares to recover the loan, ensuring a smooth process without burdening the borrower.

The purpose of a loan against shares is to provide individuals or businesses with quick access to funds without selling their investments. It helps meet short-term financial needs such as funding business operations, personal expenses, or emergencies, while allowing borrowers to retain ownership of their shares.

By leveraging the value of their stock portfolio, borrowers can raise capital without liquidating their assets, and they can benefit from any future appreciation in the value of their shares.

• The key features of a loan against shares include:
  • Secured Loan: The loan is backed by shares or securities as collateral, reducing the risk.
  • Loan Amount: Typically a percentage of the market value of the pledged shares, is around 50%.
  • Interest Rates: Usually lower than unsecured loans, reducing the burden on the borrower.
  • Flexibility: The loan can be used for various purposes, including personal or business needs.
  • Loan Tenure: Tenures can vary, offering short- to medium-term repayment options.

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. 10,000. 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 shares 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. 10,000. 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.