Leverage your investments in shares for loans to meet unforeseen expenses!!

Avail of loans up to Rs.20.00 lacs against your shares to enable you to meet contingencies, personal needs or even for subscribing to rights or new issue of shares.


This facility is available to our existing individual customers enjoying a past satisfactory relationship with SBI and maintaining their DEMAT Account with SBI Cap Sec. It is offered as an Overdraft or Demand Loan. Loan can only be availed in single name. NRIs are currently not eligible for this loan.


For meeting contingencies and needs of personal nature. Loan will be permitted for subscribing to rights or new issue of shares against the security of existing shares. Loan will not be sanctioned for (i) speculative purposes (ii) inter-corporate investments or (iii) acquiring controlling interest in company / companies.

Loan Amount
  • Minimum Loan Amount: Rs 50,000/-

  • Maximum Loan: Rs 20.00 lacs

(Loans against shares not to exceed Rs 10 lacs if the purpose is for subscribing to IPOs.)

Repayment Schedule

Demand Loan: To be liquidated in maximum period of 30 months
Overdraft : 30 months (subject to renewal every year)

Nature of Loan

Overdraft / Demand Loan


You will need to provide a margin amount of 50% of the prevailing market prices of the shares being offered as security.


Pledge of the demat shares against which loan is sanctioned.


Processing Fees : Processing Fee OD/DL : 0.75% of the loan amount + applicable GST subject to minimum of Rs.1000 (Non Refundable)


Rs 1000 + applicable Service Tax (Applicable only for Overdraft A/c)

Interest Rates

Please refer the interest rate page

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