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 : Running Overdraft (Auto 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
0.75% of the loan amount with minimum of Rs.1000 + GST.

Review Charges
Rs.1000 + Applicable GST (Applicable only for Overdraft A/C)

Interest Rates
Please refer the interest rate page

Account Keeping Charges :
Rs.550 + GST
Account Keeping Charges are applicable for Overdraft Facility.

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