LOAN AGAINST SECURITIES
Details

Shares | Mutual Funds | Fixed Deposits

Unlock liquidity without selling your investments.

Instant overdraft or loans against listed shares, mutual funds, bonds, or fixed deposits—ideal for short-term business or emergency funding at highly competitive rates.

  • Up to 90% of FD value
  • Rapid approvals
  • Minimal documentation
  • Portfolio remains invested


General Documents

KYC DOCUMENTS

(Applicants / Promoters / Directors / Partners)

  • PAN Card (Self-attested)

  • Aadhaar Card / Passport / Voter ID

  • Mobile Number & Email ID (Linked with Aadhaar)

  • Latest Electricity Bill / Utility Bill (Address Proof)

  • Passport-Size Photographs


BANKING & CREDIT DOCUMENTS

  • Bank Statements – Last 12 Months

    • Savings Account (Individuals / Salaried)

    • Current Account (Business Entities)

  • CIBIL Report (Latest – Individual & Entity)

  • Net Worth / Asset & Liability Statement (CA-Certified)


INCOME PROOF

A. Salaried Applicants

  • Salary Slips – Last 3 Months

  • Form-16 – Last 2 Years

B. Self-Employed / Business Owners

  • Income Tax Returns with Computation – Last 3 Years

  • Audited Financial Statements – Last 3 Years

C. Rental Income

  • Registered Rent Agreement

  • Rent Receipts / Bank Credit Proof

  • Electricity Bill of Rented Property

D. Other Income

  • Relevant Supporting Documentary Proof


EXISTING & CLOSED LOAN DETAILS

A. Running Loans

  • Sanction Letter

  • Latest Loan Statement

B. Closed Loans

  • Loan Closure Letter / NOC

  • Original Sanction Letter (If Available)

C. Balance Transfer (BT) / Takeover Cases

  • Sanction Letter

  • List of Documents (LOD)

  • Foreclosure / Pre-Closure Letter


COLLATERAL SECURITY DOCUMENTS

(If Applicable)

  • Complete Property Title Chain Documents

  • Latest Electricity Bill

  • Approved Building Plan / Layout Map

  • Property Tax Paid Receipt

  • Encumbrance / Mortgage Details

  • List of Documents (LOD) (If Property Already Mortgaged)

Product Specific Documents Required for Loans Against Securities

  • Demat Account Statement
  • ISIN-wise Holding Statement
  • FD / Bond Certificates
  • Pledge Authorisation (as applicable)