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Loan Against Shares

Avail Loan Against Shares in just a few minutes!

Liquidity against your shares, without selling them.

Loans up to 50% of the value of pledged shares, with a maximum limit of ₹ 20 lakh.

Apply NOW

Complete loan against shares Online Process

Reason To Choose ICICI Bank For Loan Against Shares

Loan Value

Get a Loan up to 50% of the value of pledged shares, with a maximum limit of ₹ 20 lakh

Comprehensive list of approved shares

Loans can be availed against an extensive list of shares approved by the Bank

Overdraft Facility

Avail of the Loan as an Overdraft and pay interest only on the utilised amount and only for the utilised period.

Interest Rates

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. Go to: Cards and Loans > Loans > 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

Loan Against Share through Internet Banking

01. Log into the iMobile app
02. Go to ‘Get Instant 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

Interest Rates, Eligibility & Documentation

Interest Rates of Loan Against Shares

Interest Rate	10.50% - 11.50% per annum
Interest Calculation	Based on the utilised amount and period only

Notes:

The specific interest rate applicable to a customer is dependent on the segment and asset category.
ICICI Bank reserves the right to revise the Rate of Interest and Processing Fee from time to time, at its sole discretion.

Eligibility for Loan Against Shares

Applicants must be between 18 and 75 years of age and have a working e-mail ID and mobile number
Shares should be held in Demat (dematerialised) form
Only individuals can apply. Single proprietors, partnerships, corporations and HUFs are specifically excluded
The Loan can be issued against only authorised scrips verified by ICICI Bank.

Documents Required for Loan Against Shares

Identity Proof: A legitimate government-issued document such as a Voter ID, Passport or Aadhaar Card
Address Proof: Utility bill, Passport or Bank Statement
Proof of Signature: A document with your signature, such as a cheque or a Bank Account Passbook.

For Companies / Proprietorships / Partnership Firms:

IT returns, an audited balance sheet and a profit and loss account of the previous 2 years. These documents help in evaluating the entity's financial situation.

Loan Against Shares FAQs

EXPAND ALL | COLLAPSE ALL

What is the tenure of a Loan Against Shares?

Loan Against Shares has a repayment tenure of up to 12 months.

What happens when the price of my shares falls?

If the value of your shares drops, the collateral for the Loan might not be enough to cover the amount you owe. In this situation, the lender might issue a margin call, i.e. ask for additional collateral or ask you to repay some of the Loan.

What is the age limit for availing Loan Against Shares?

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