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Loan Against Securities
Rates and Charges

Loan Against Securities Rates & Charges

Rates & Charges

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What are Loan Against Securities Interest Rates?

When you take a loan against security to tackle your urgent financial requirements, you must pay interest to the lender. This interest is calculated as per the loan against securities rate of interest applicable on your loan amount. The loan against securities interest rates may vary from one lending institution to another and are usually charged as percentages on principal loan amounts.

With Tata Capital, you can avail of a loan against shares, mutual funds, or bonds at the most affordable interest rates. Our loan against securities interest rates. Furthermore, depending on your loan eligibility, monthly income, credit score, and the type of security, we can determine the best loan against securities rate of interest for you.

Also, we don’t levy any hidden charges on our loans against securities. From loan against shares interest rates to loan against securities fees, we convey all charges transparently at the time of loan processing.

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What is a Loan Against Securities Calculator?

If you need emergency finances, you can avail of a loan against security. You can leverage your investments in equity stocks, mutual funds, or bonds to raise quick funds and use them to meet your various short-term financial requirements. To know the maximum loan amount that you can borrow against your investments, you can take the help of a loan against securities calculator.

Tata Capital’s Loan Against Securities Calculator is a simple online tool where you can enter the details of the securities held by you and determine the maximum loan amount that you can borrow against them. Our loan against shares calculator will display the total net value of your shares and the eligible loan amount within a few seconds.

Avail TATA Capital loans directly from WhatsApp

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How to Use a Loan Against Securities Calculator?

You can easily find a loan against securities EMI calculator to evaluate the loan amount that you can borrow against your investments and the EMIs that you have to pay for it. For example, if you’ve invested in equity shares or mutual funds, you take the help of a loan against shares calculator or a loan against mutual funds calculator to know the amount you can borrow by pledging them as collateral.

Tata Capital’s loan against shares calculator is easy to use and can display the results instantly. Here’s how you can use our LAS calculator:

1

Enter Company stock name

Enter the name of the company whose stocks you own. Once you start entering the company’s name, we will suggest the companies with similar names in a dropdown list. You can select the appropriate company name from this dropdown list.

2

Enter Stock Quantity

Then, you need to enter the quantity of the stocks that you have. For example, if you have 5000 stocks of a company, you will need to enter the figure “5000” in the relevant box.

3

Add all your stocks

If you’ve invested in more than one company’s stocks, you can click on the “ADD” button on our loan against shares calculator. Then, you can repeat the two steps mentioned above to add all your stocks one by one. You can even drag and drop a file containing the details of all your stocks if you don’t want the hassles of entering them one by one.

4

Display Result

Based on the current market price of the stock(s) and the number of stocks owned by you, our LAS calculator will calculate the total value of your shares and the maximum amount that you can borrow against them within a few seconds. You can then click on the “QUICK APPLY” button to apply for a loan against securities with us.

The table below depicts our loan against securities charges and interest rates:

Type of Charge	Applicable Rate
Processing Charge	As per the loan agreement, varies from partner to partner.

*Terms & Conditions apply.

What are the Loan Against Securities Interest Rates and Charges in India?

Loan on securities interest rates in India vary from one lending institution to another. They also depend on the type of security used to apply for the loan. For example, a loan against shares interest rate is usually higher than a loan against mutual fund interest rate since shares are more volatile securities.

At Tata Capital, we offer the most competitive loan against securities interest rates.

Apart from the rate of interest, we levy the following loan against securities charges:

Processing Charges

We levy a nominal one-time processing charge on loans against securities for processing loan applications.

Penal Charges or Othe Charges

We levy penal charges or additional charges over and above the applicable loan against securities rate of interest in the case of delayed payments.

Penal Charges

Default in payment of amounts due as per the Facility Documents

3% per month on overdue amount + applicable taxes.

Dishonour of any cheque/payment instruments

These are those charges that are levied in case of a repayment bounce per instance. At Tata Capital, you’ll be required to pay Rs. 600 for every Cheque/Payment Instrument Dishonour.

Mandate Rejection Service Charge

NIL

Other Charges

We also levy the following miscellaneous charges on our loans against securities:

Type of Fee	Applicable Charges
Annual Maintenance Charges	As per the loan agreement, varies from partner to partner.
Foreclosure Charges	NIL
Instrument Swapping Charges	NIL
Charges for Selling Pledged Securities	0.35% of Sales Consideration + Brokerage and Charges (As per actuals charged by the Broker and Depository Participant).

Note: GST, other government taxes and levies as applicable, will be payable on all fees and charges.

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