Loan Against Shares

Overview

A Loan Against Shares allows you to pledge your equity shares, demat holdings, or securities as collateral to access immediate funds. This financial tool is ideal for meeting personal or business liquidity needs while letting you retain the ownership and associated benefits of your investments, such as dividends and bonuses.

Credsure assists you in connecting with leading partner banks and NBFCs to secure a loan against your shares. We guide you through the process of assessing the value of your portfolio and navigating the documentation required by lenders.

Key Features

• Retain Ownership: Keep earning dividends and benefit from capital appreciation on your pledged shares.
• High Loan Value: Borrow a substantial percentage of your portfolio's current market value, depending on the lender's policies.
• Flexible Repayment: Many lenders offer flexible repayment options, including servicing only the interest and repaying the principal at the end.
• Quick Access to Funds: Faster processing compared to unsecured loans, as the facility is backed by your liquid assets.

How to Apply

1. Submit Inquiry: Contact us or fill out the online application form with your portfolio details.
2. Portfolio Assessment: We help evaluate your listed shares based on approved lender lists.
3. Documentation: Provide KYC details and demat holding statements.
4. Lender Approval & Lien Marking: Once the lender approves, a pledge or lien is marked on your shares.
5. Disbursal: The loan amount or overdraft limit is made available in your account.