Suitable for

Getting funds without selling your shares

  • Get a Loan of up to ₹1 crore

  • Pledge shares for instant funds

  • Easy repayment terms

  • Quick approval and disbursement.

Things you should know

  • Loan amount

    Avail a Loan of up to ₹1 crore, depending on the value of your pledged shares.

  • Interest rates

    Attractive interest rates.

  • Pledge requirement

    Pledge listed shares to avail the Loan, without selling them. The shares must be from ICICI Bank’s approved list of shares.

  • Processing fees

    Minimal processing fees apply, which are clearly outlined at the time of application.

  • Loan-to-value ratio

    Loan-to-value ratio : Loans are available up to 55% of the value of your pledged shares with a maximum loan amount of Rs 1 crore

How to apply for Loan Against Shares?

About Digital Loan Against Shares

Quick Loan disbursement

ICICI Bank offers fast Loan disbursement, with funds available directly in your Account after approval. Enjoy hassle-free access to liquidity with a seamless online application process.

High Loan value

Get a Loan of up to 55% of the value of your pledged shares, capped at ₹1 crore. Benefit from attractive Loan terms and easy repayment options.

Simple application process

Apply for the Loan through Net Banking or ICICI Bank’s iMobile app. The application is straightforward, with minimal paperwork required.

Loan Against Shares FAQs

What is a Loan Against Shares?

A Loan Against Shares allows you to pledge your listed shares as collateral to secure a Loan, without the need to sell your shares. ICICI Bank offers Loans up to ₹1 crore.

What are the eligibility criteria for this Loan?

To apply, you must be above 18 years of age, with a valid mobile number and e-mail ID. Additionally, you can pledge only listed shares as collateral for the Loan. The shares should belong to ICICI Bank’s list of approved shares.

How much can I borrow?

You can borrow up to 55% of the value of your pledged shares, with a maximum Loan amount of ₹1 crore. The final Loan amount depends on market value of your shares.

How do I apply for Loan Against Shares?

You can apply easily through ICICI Bank Net Banking or the ICICI Bank's iMobile app. Simply log in, select 'Loan Against Shares' and follow the steps.

What happens if the value of my pledged shares drops?

If the value of your shares drops then your overall credit limit may decrease, which in some cases may lead to your Account becoming overdrawn in case your outstanding balance becomes more than the revised credit limit. In that case, you can either pledge more shares which will increase your credit limit or repay the excess amount that you have withdrawn to regularise the Account. Please note that penal charges may be applicable on the overdrawn amount till the Account is regularised.

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