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    Insta Loan Against Shares

    Avail Loan Against Shares in just a few minutes!

    Get instant liquidity against your shares, without selling them.
    Avail instant loans up to 50% of the value of pledged shares, with a maximum limit of ₹20 lakh.
    Apply NOW

    Reason To Choose ICICI Bank For Loan Against Shares

    Loan Value

    Loan Value

    Loan up to 50% of the value of pledged shares with a maximum limit of Rs. 20 lakh

    Long list of approved shares

    Long list of approved shares

    Facility is available against the list of shares approved by the Bank

    Overdraft Facility

    Overdraft Facility

    Avail the Loan by way of an Overdraft Facility

    Interest Rate

    Interest Rate

    Interest charged on the utilised amount and for the utilised period only

    Steps to Apply for Insta Loan
    Against Shares

    • Internet Banking
    • iMobile
    • 01. Log in to your Internet Banking 
    • 02. Click on ‘Cards and Loans’ then go to ‘Loans’ and select ‘Loan Against Shares’ 
    • 03. Select your Shares for pledging 
    • 04. Provide FATCA* details and accept the Terms & Conditions 
    • 05. Access funds through your new Overdraft Account 
    Step Image Alt Text 1
    • 01. Log in to the iMobile Pay app 
    • 02. Go to Pre-approved Loans/Offers and select ‘Loan Against Shares’ 
    • 03. Select your shares for pledging 
    • 04. Provide FATCA* details and accept the Terms & Conditions 
    • 05. Access funds through your new Overdraft Account
    Step Image Alt Text 2

    Loan Against Shares FAQs

    EXPAND ALL | COLLAPSE ALL

    Which documents are required for opening the LAS Account?

    For ICICI Bank customers, the Loan process is streamlined with minimal documentation, which ensures a quick and hassle-free experience for those seeking financial assistance. Address, identity and income proofs are required, along with the original certificates of the pledged securities, Bank chequebook and mobile banking facility.

    What is the tenure for availing Loan against share?

    Monetary loans against shares or securities involve using listed assets like bonds, shares or insurance policies as a collateral. These loans offer a valuable option when immediate cash is required for personal or business needs. LAS has a repayment tenure of up to 36 months.

    What happens when the price of my shares falls?

    If the value of your shares drops, the collateral for the Loan may not be enough to cover what you owe. If you can't repay the Loan in this situation, the lender might face losses that the current value of the stocks can't compensate for.

    What is the age for availing Loan against share?

    To apply, individuals must fall within the age bracket of 18 to 75 years. The individual also needs to provide a valid e-mail address and mobile number for communication and documentation purposes. These requirements ensure a smooth application process for the applicants.

    Is the Insta LAS offer applicable for Non Resident Indians?

    No, The Insta LAS facility is currently available only for customers who are Indian Residents and are eligible for the offer.

    Do I need to have a Demat Account with ICICI Bank to apply for Insta LAS?

    This offer is applicable only for ‘pre-approved’ individual customers who have Demat and Savings Accounts with ICICI Bank.

    What is the frequency of interest payments?

    Interest is calculated on the daily outstanding balance and will be debited/charged to the LAS Account on the 2nd working day of every month for the entire interest period.

    If the customer faces any issue during their digital journey for Insta LAS, will the offer remain available for the customer?

    a.     If the customer has reached the pre-confirmation page and then faces a technical issue, the offer will get blocked.

    b.     If the customer faces an issue in the middle of their journey before getting redirected to NSDL, the offer will be available.

    If the issue persists, you can contact ICICI Bank Customer Care for assistance.

    View More

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    Pre-Approved Loan Against Shares – A step by step guide to avail a loan against your existing shares

    Get instant Pre-Approved Loan Against Shares through Internet Banking | ICICI Bank

    Steps to Avail Pre- approved Loan Against Shares through Internet Banking | ICICI Bank
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