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.

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
You can avail of loans up to Rs 20.00 lacs against your shares. Loans against shares not to exceed Rs 10 lacs if the purpose is for subscribing to IPOs. Minimum Loan Amount: Rs 50,000.

Repayment Schedule
The tenure of Demand Loan and OD A/c is 30 months.

Nature of Loan
Overdraft / Demand Loan with the Repayment programme maximum 30 months

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

Review Charges
Rs 1000 + applicable GST per annum.
(Applicable only for OD A/c)

Interest Rates
Please refer the interest rate page

A link for applying loan against shares has been provided under Other Services on the Pre login section of www.onlinesbi.com.