Loan Against Shares & Mutual Funds | Loan Against Securities

Loan Against Securities

Need funds quickly? RBL Bank’s Loan Against Securities lets you unlock the potential of your portfolio in minutes - completely digitally, without disrupting your investments.

Key Benefits

Get immediate access to funds without liquidating your securities
Fully digital application process – zero paperwork
Overdraft facility with interest only on the utilised amount
Available against shares and mutual funds

Securities & Loan-To-Value (LTV)

Securities & Loan-To-Value (LTV)
Type of Security	LTV Ratio
Equity Shares	45%
Equity Mutual Funds (Demat & SOA)	60%
Debt Mutual Funds	80%

Who Can Apply

Age between 18 and 75 years
Resident Indian
Valid Demat Account
Mutual Fund Holdings (In Demat / SOA Form with registered RTA)

Loan Amount Range

Loan Amount Range
Security Type	Min Amount (INR)	Max Amount (INR)
Equity Shares	1,00,000	1,00,00,000*
Equity Mutual Funds (Demat & SOA)	1,00,000	1,00,00,000*
Debt Mutual Funds	5,00,000	15 Cr*

*Max amount not to exceed 1,00,00,000 in total per individual combined for Equity Shares & Mutual Funds.

Can non-RBL Bank customers apply?

Yes, both existing and new customers can avail Loan Against Securities.

Apply Now

How to apply for Loan Against Securities?

Visit the “Apply Now” page under Products > Loans > Loan Against Securities.

Existing customers can apply via RBL MyBank App or Internet Banking.

Can I pre-pay or foreclose my Loan Against Securities account?

Yes, RBL Bank allows you to pre-pay or foreclose your Loan Against Securities account at anytime without any charges.

Where can I use the funds?

Funds can be used for business or personal needs such as medical emergencies, education, home renovation, travel, etc.

Will I continue to receive dividends or interest if securities are pledged?

Yes. You’ll receive all applicable income payouts while the securities are pledged.

What are the applicable interest rates and charges?

Click here to view our detailed Fees & Charges.

Is top-up or limit enhancement available?

Yes, you can avail a top up on your Loan Against Securities limit upto the maximum limit allowed as per regulation and policy.

How to pledge or de-pledge my securities?

How do I close my Loan Against Securities account?

Visit the Service section in your Loan Against Securities account and place a closure request.

I do not have a Demat account with RBL Bank, can I still avail Loan Against Securities?

Yes, you can avail digital Loan Against Securities if you have Demat account of NSDL. For loan against Mutual Funds anyone who is registered with either KFIN / CAMS can apply.

How will I know about my credit limit / drawing power?

Customer can know the credit limit / drawing power during the journey. Also, post the limit setup you can view the same by logging to mobile banking and internet banking.