Get Instant Loan Against Shares

Need funds to tackle urgent financial requirements? Do you have equity shares in your demat account? You can now meet your urgent need for funds without selling off your securities. Pledge your securities and get an instant Loan Against Shares (LAS) with attractive interest rates and minimal documentation. With the Geojit Credits Online facility, you can pledge your shares digitally and avail of an instant loan against shares from us. We will credit the loan amount directly to your registered bank account within a few hours. You can then repay your loan anytime you want without incurring any additional pre-payment charges. The interest would be charged only on the amount used by you and for the loan duration.
What's more? You will continue to enjoy the ownership rights of your shares. It means you will earn returns on them and enjoy all other associated benefits just like before.

Apply Now Eligible List

Get Instant LAS Online

With Geojit, you can apply for a loan against equity shares through a 100% online process. You can complete your loan application in three simple steps, and the loan amount will be credited to your bank account within a few hours.

Zero Foreclosure Charges

Our loan against shares comes with no lock-in period and zero foreclosure charges. It means that you won’t have to pay anything extra even if you wish to clear your outstanding amount before the end of its tenure.

Attractive Rate of Interest

At Geojit, we provide loans against shares at the most competitive interest rates. Our loan against shares interest rates starts from just 10.99% per annum. Moreover, the interest would be levied only on the amount you use and for the loan duration.

High Loan Value

With Geojit’s Loan Against Shares, you can get a high-value loan of up to Rs 2 crore. You can use this amount to meet all your short-term and mid-term financial requirements without any hassles. You won’t have to go place to place to raise finances.

Easy Repayment

We provide you the flexibility to repay your loan amount in multiple ways. You can either repay your loan in monthly instalments or repay it as lump sums without incurring any additional pre-payment charges.

Retain the Ownership of Your Shares

When you pledge your shares with us for availing of a loan against shares, you won’t lose the ownership of your shares. You will continue to earn returns on them and enjoy all other associated benefits. But you cannot sell your shares until you have closed the loan.

Since we provide loans against shares through an end-to-end digital process, you’re not required to submit any physical documents. You can upload the following documents on our website:

  • A copy of your PAN Card
  • A copy of your masked Aadhaar card
  • Proof of your bank account
  • Proof of your Income (ITR copy – 10 lakhs & above loans)
  • Recent passport-sized photographs

We offer loans against shares with the simplest eligibility criteria. Below are the requirements:

  • You need to be a resident Indian individual
  • You should have an NSDL demat account
  • You should have free holdings of eligible shares in your demat account
  • You should have a PAN card and an Aadhaar card
  • You should have a satisfactory CIBIL score
  • Your age should be between 18 and 80 years
  • You should have a valid e-mail Id and mobile number
  • You should have a valid bank account number and proof for the account to be linked
Particulars Regular Scheme Premium Scheme Festive Scheme
Margin 60% 60% 60%
Minimum Loan Amount ₹ 10,000 ₹ 20,00,000 ₹ 5,00,000
Tenor 1 Year, subject to annual review 1 Year, subject to annual review 6 Months, subject to annual review
Rate of Interest (Per Annum) 11.49% 10.99% 10.99%
Processing Fee 0.50% of the loan amount + GST 0.50% of the loan amount + GST 0.50% of the loan amount + GST
Pledge Creation Charge ₹ 250 or 0.02% of the value of each pledge + GST ₹ 250 or 0.02% of the value of each pledge + GST ₹ 250 or 0.02% of the value of each pledge + GST
Particulars Regular Scheme Premium Scheme Festive Scheme
Margin 60% 60% 60%
Minimum Loan Amount ₹ 50,000 ₹ 10,00,000 ₹ 5,00,000
Tenor 1 Year, subject to annual review 1 Year, subject to annual review 6 Months, subject to annual review
Rate of Interest (Per Annum) 13% 12% 12%
Processing Fee 1% of the loan amount + GST 1% of the loan amount + GST 1% of the loan amount + GST
Documentation Charges* ₹ 450 ₹ 450 ₹ 600

You can avail of a Loan Against Shares by following three simple steps:

  • Create an account and complete the Know Your Client (KYC) formalities
  • Select your scheme and pledge your Shares
  • E-sign your loan agreement

For a smoother and hassle-free experience, we recommend you keep scanned copies of your PAN, photo, Aadhaar card, signature, and bank account proof ready before applying.

We provide complete flexibility when it comes to loan repayment. You can avail of a loan against shares with us to meet all your financial requirements and then repay the loan amount at your convenience.

  • Interest payment on the first working day of every month after taking the loan
  • Pay only the interest amount every month
  • Make pre-payments on your loan without incurring any pre-payment charges
  • Sell off your pledged shares to repay the loan amount

Queries of Customers

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Customer testimonials

I am very happy with Geojit Credits Pvt Ltd as they give maximum support and assistance to help me meet my financial needs, which gives me the financial freedom to plan and achieve my goals. My requests are processed without delay, thanks to the great customer care and dedication by the team.

Muresh Kumar

Geojit Credits is clearly at the forefront on high quality customer service and customer care. I appreciate their way of making me comprehend all the pros and cons of the financial instruments that I avail, their way of keeping things simple and easy, and their way of giving prompt feedback and responses. I am quite happy with the support they provide and wish them the very best in their journey ahead."

Biju Pramod

You can apply for a loan against shares with Geojit in three simple steps:

  • Create an account and complete your KYC
  • Select your scheme and pledge your holdings
  • E-sign your loan agreement and get the loan amount instantly

With Geojit, you can get a loan against shares of up to Rs 2 crore. The maximum amount that you can borrow depends upon the market value of the shares pledged by you.

Your loan limit will come with a tenure of one year, after which it has to be renewed annually.

The interest will be charged only on the outstanding amount in the loan account every month. You’re required to pay the interest amount every month to avoid becoming a Non-Performing Asset (NPA).

Yes. You can make pre-payments or part pre-payments on your loan account. We won’t charge you any additional pre-payment charges for this.

After you’ve repaid your entire loan amount, we will transfer your shares to your demat account as per the instruction.

Not at all. Your shares will only be kept as collateral with us. You will remain the rightful owner of your shares and can continue to earn returns on them.

In case of a marginal shortfall above the permissible limit, we will send you an e-mail to clear the margin shortage through any of the repayment modes. However, if your Loan-To-Value (LTV) ratio remains over 50% for five consecutive days, we will sell the pledged shares proportionately to bring down your LTV ratio.
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