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Tata Capital > Blog > Loan Against Shares: What It Is, How It Works, and Key Benefits

सिक्युरिटीज वर लोन

लोन अगेंस्ट शेअर्स: ते काय आहे, ते कसे काम करते आणि प्रमुख लाभ

Loan Against Shares: What It Is, How It Works, and Key Benefits

If a person owns shares in the open market, they can apply for a loan against shares. There are several benefits attached to availing of such loans. The article describes what is loan against shares’ meaning, how the loans against shares process works, and how it benefits people by allowing them to borrow conveniently.

Loan Against Shares: Meaning & Overview

The loans against shares process are loans taken against financial assets like shares, mutual funds or life insurance policies. The financial assets act as collateral or surety to the bank.

A loan against shares helps people use their financial assets more efficiently. It prevents people from hastily selling their shares. The limit of loan they can pledge on their shares is based on the number of shares they own and the bank where they are availing the loan.

Loan Against Shares Process: Step-by-Step Guide

Market Shares are a vital financial asset. They are instrumental in times of unprecedented need.

After they pledge their shares, the bank gives them a hybrid term loan facility, from which they can withdraw any money out of their total loan amount. The applicant will be liable to pay interest only on the amount they withdraw. 

The following example helps explain the loan against shares process better:

Suppose an applicant receives a loan of Rs. 2 lakhs. The applicant only withdraws Rs. 1.5 lakhs with a repayment tenure of five months. As per the bank’s hybrid term loan policy, they will charge interest only on Rs. 1.5 lakhs (amount withdrawn) and not Rs. 2 lakhs.

Besides, people can also pledge shares of their relatives, including their spouse, parents, and siblings, who are above the age of 18 years. But in this case, the relative has to play the part of being a co-applicant and should sign the hybrid term loan agreement.

Benefits of Loan Against Shares

Now that you know what is loan against shares’ meaning and how does loan against shares work, let’s move on to the benefits. 

The main benefits are as below:

  • A loan against shares in India is a secure loan.

लोन कर्जदाराच्या क्रेडिट पात्रतेवर अवलंबून नाही परंतु त्याने सबमिट केलेल्या शेअर्सच्या सिक्युरिटीवर. शेअर्सवरील लोन केवळ अशा शेअर्सना दिले जातात जे सहजपणे मार्केटेबल आहेत आणि जे अपंगत्वापासून मुक्त आहेत.

  • लोन अगेंस्ट शेअर्सचा पर्सनल लोनपेक्षा कमी व्याजदर आहे.

Interest Rate is very important for any person pledging a loan. Interest rates vary for all kinds of loans. अनसिक्युअर्ड लोन्सच्या तुलनेत सिक्युअर्ड लोन्सचा व्याजदर कमी असतो.

  • The borrower can use the loan against shares for any purpose of their wish.

मंजुरी प्रक्रियेदरम्यान लेंडर लोनच्या अर्थाबद्दल विचारणार नाहीत. म्हणून, कर्जदारांना त्यांच्या लोनच्या वापरासाठी पूर्ण स्वातंत्र्य आहे.

  • You can smoothly switch pledge between the securities within your financial portfolio. 

It depends on the stock market assessment performed by the applicant. It allows them to enjoy the benefits of bonuses, rights and dividends, etc. Since the ownership of the financial products remains with the borrower, the idea of a loan proves to be lucrative for them.

Other advantages of loan against shares in India include:

  • The loan pledged on shares can be processed quickly.
  • Loans against shares are determined based on the current market value of the shares. One can quickly evaluate these market values.
  • People can extend the repayment of these loans.

Lender’s Nameव्याजदरलोन रक्कमकालावधी
एच डी एफ सी बँकAs per the bank’s discretionStarting Rs.50,000 Varies based on the amount of loan 
बजाज फिनसर्व्ह9.50% to 12.00% p.a.Up to Rs.10 croreVaries based on the rate of interest and amount of loan
ICICI बँकDepends on the amount withdrawn and tenureRs.50,000 to Rs.20 lakhVaries based on the rate of interest and amount of loan
टाटा कॅपिटलStarting – 10.50% Rs.50,000 to Rs.20 lakhOne year and it comes with a renewable auto feature
State Bank of India (SBI)Depends on the selected schemeRs.20,000 to Rs.5 crore (Depends on the selected scheme)Varies based on the rate of interest and amount of loan
ॲक्सिस बँक10.50% to 12.75% p.a.Up to 85% of the value of securitiesVaries based on the rate of interest and amount of loan

Eligibility Criteria and Documents Required for Loan Against Shares

At Tata Capital, to be eligible for a loan against stocks in India, you need to:

  • Be a citizen of India. 
  • Fall within the age bracket of 18 to 70 years. 
  • Be a salaried or self-employed individual, or represent a partnership firm, proprietorship, trust, or public/private company. 
  • Hold approved securities in a valid Demat or mutual fund account.
  • Ensure the securities are maintained with recognised depositories such as NSDL or CDSL, or authorised transfer agents like CAMS or KFIN.

You also need to provide the following documents with the loan application if applying online:

  • PAN कार्ड
  • Aadhar card and the mobile number linked to it. 

If you’re applying offline, submit the following:

  • PAN कार्ड
  • Address and identity proof: Aadhaar Card / Passport / Driving Licence/ Voter ID
  • स्वाक्षरी

These are the documents that are generally required for loan against stocks in India. However, you may need to provide additional documents depending on which category of borrower you are. 

How is the Loan-to-Value (LTV) Ratio Calculated for LAS?

लोन अगेंस्ट शेअर्स कसे काम करते यामध्ये LTV प्रमुख भूमिका बजावते, कारण ते तुम्ही लोन घेऊ शकणारी कमाल लोन रक्कम निर्धारित करते.

भारतातील स्टॉकवरील लोनसाठी लोन-टू-वॅल्यू (LTV) रेशिओ हे तारण ठेवलेल्या सिक्युरिटीजच्या वर्तमान मार्केट वॅल्यूद्वारे लोन रक्कम विभाजित करून कॅल्क्युलेट केले जाते, जे टक्केवारी म्हणून व्यक्त केले जाते: 

LTV = (लोन रक्कम/शेअर्सचे मार्केट मूल्य) × 100.

उदाहरणार्थ, जर तुमचे शेअर्स ₹10 लाखांचे असतील आणि लेंडर ₹7.5 लाख ऑफर करतो, तर LTV 75% आहे.

LTV रेशिओ भारतातील स्टॉक वर लोनसाठी तुमची कमाल लोन क्षमता निर्धारित करताना मार्केटच्या अस्थिरतेपासून लेंडरचे संरक्षण करते.

निष्कर्ष

सारांश देण्यासाठी, भारतातील शेअर्सवर लोन हा तुमच्या आवश्यकतांसाठी फंड सुरक्षित करण्याचा सोयीस्कर मार्ग आहे. सिक्युरिटीज स्वॅप करण्याच्या लवचिकतेसह आणि झिरो फोरक्लोजर शुल्क यासारख्या अन्य लाभासह, तुम्ही अनेक लाभ मिळवू शकता. तसेच, ॲप्लिकेशनची प्रोसेस सुरळीत आणि त्रासमुक्त आहे. टाटा कॅपिटल ऑनलाईन ॲप्लिकेशन प्रोसेस देखील प्रदान करते जिथे तुम्ही सहजपणे अप्लाय करू शकता आणि तुमचे लोन मिळवू शकता.

या विषयावर अधिक माहिती शोधत आहात?

ॲप्लिकेशन करण्याच्या प्रक्रियेविषयी जाणून घ्यायचे आहे का? आमच्या पेजवर जा आणि आमच्या अधिकाऱ्यांशी संपर्क साधा.

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सिक्युरिटीज वर लोन सिक्युरिटीज वर लोन व्याजदर शेअर्स वर लोन पात्रता

सामान्य प्रश्न

लोन अगेंस्ट शेअर्स म्हणजे काय आणि ते भारतात कसे काम करते?

A loan against stocks in India is a secured loan where you pledge your equity shares as collateral to borrow funds. Shares remain in your demat account but are marked as pledged until full repayment.

शेअर्स वर लोन मिळविण्यात कोणत्या जोखीम समाविष्ट आहेत?

The main risks include forced liquidation of shares upon default, margin calls if share prices drop, loss of dividend rights during pledge, market volatility affecting collateral value, and potential credit score damage from non-repayment.

शेअर्स वर लोनसाठी सामान्य लोन-टू-वॅल्यू रेशिओ म्हणजे काय?

The typical loan-to-value (LTV) ratio for loan against shares in India ranges from 50% to 60% of the share's market value, varying based on stock volatility, liquidity, company fundamentals, and lender's risk assessment policies.

लोन अगेंस्ट शेअर्स ॲप्लिकेशनसाठी कोणते डॉक्युमेंट्स आवश्यक आहेत?

Documents required include PAN card, identity and address proof like Aadhaar Card / Passport / Driving Licence/ Voter ID, and your signature.

तातडीचे फंड मिळविण्यासाठी लोन अगेंस्ट शेअर्सचे पर्याय आहेत का?

Yes, alternatives include personal loans, credit cards, gold loans, loan against property, loan against bonds, overdraft facilities, and emergency funds from provident funds or insurance policies.

जर मी माझ्या शेअर्सवरील लोनवर डिफॉल्ट केले तर काय होईल?

If you default on your loan against stocks in India, the lender will sell your pledged shares to recover dues. You lose your investment permanently, face credit score damage or legal action.

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