Getting a loan against securities in Delhi
A loan against securities can be arranged from Delhi largely online, because the collateral is a financial asset such as a fixed deposit, mutual fund units, shares or an insurance policy, which the lender marks a lien on electronically. The rate is linked to the asset and the lender, not your city. Remember that if the market value of pledged shares or funds falls, the lender can ask you to top up the collateral or repay part of the loan.
For the complete guide, including costs, pros and cons and mistakes to avoid, read our main Loan Against Securities guide.
Loan Against Securities at a glance
| Typical loan amount | Roughly ₹50,000 to ₹1 crore or more, depending on portfolio value and lender policy |
|---|---|
| Tenure | Often 12 months, renewable, for overdraft limits; some term loans run longer |
| Indicative interest rate | Roughly 9% to 15% a year, charged on the amount drawn |
| Processing fee | Often about 0.25% to 1.5% of the limit, plus taxes, with minimum amounts at some lenders |
| Security / collateral | Lien or pledge on approved shares, mutual funds, bonds or other eligible securities |
| Typical time to disbursal | Often same day to a few days, once the pledge is created |
| Where | Delhi, Delhi, and anywhere else in India |
Indicative ranges based on general market practice in India. Your offer will differ.
Eligibility for a loan against securities in Delhi
| Age and status | Resident individuals aged 18 or above, and sometimes HUFs, firms and companies. NRIs may be limited by lender policy and foreign exchange rules. |
|---|---|
| Eligible securities | The lender accepts only an approved list of shares, mutual funds and bonds. Illiquid, suspended or very volatile stocks are usually excluded. |
| Holding in your name | Securities should be in your name in demat form, free of existing pledges. Joint holdings often need all holders' consent. |
| Portfolio value | Lenders set a minimum portfolio value, often a modest figure, since the limit depends on approved value after haircut. |
| Credit check | Credit history and income may be reviewed, though the collateral carries much of the weight in approval. |
Documents you will need
- PAN, Aadhaar and recent photographs
- Address proof such as utility bill or passport
- Bank account statement for the last three to six months
- Demat account statement or holding statement showing eligible securities
- Mutual fund consolidated account statement, if funds are being pledged
- Income proof such as salary slips or ITR, if the lender requests it
- Current address proof for Delhi if it differs from your Aadhaar address
Estimate your loan against securities EMI
Example values only. Replace them with the figures in your own offer.
Reducing-balance method. Excludes processing fees, GST, insurance and other charges.
Need the full breakdown? Use the Loan Against Securities EMI calculator for a year-by-year schedule, fees and APR.
Loan Against Securities in Delhi: common questions
Can I get a loan against securities in Delhi?
Yes. Banks, NBFCs and RBI-regulated digital lenders that operate in Delhi offer loan against securitiess to eligible applicants in Delhi. Approval depends on your income, credit history and documents rather than on the city.
Are loan against securities interest rates different in Delhi?
Generally no. Lenders price loans on a national grid based on your profile; indicative rates run roughly 9% to 15% a year, charged on the amount drawn. What differs locally is which lenders have a branch near you and any state-level charges, such as stamp duty or registration where they apply.
How do I apply for a loan against securities in Delhi?
Apply online on the lender's website or app, or at a branch in Delhi. Before you sign, ask for the Key Fact Statement and compare the annual percentage rate (APR), which includes fees, across at least two lenders.
How can I avoid loan fraud in Delhi?
Deal only with RBI-regulated lenders, never pay a fee upfront to get a loan approved, and check digital lending apps in the RBI's public directory before sharing data. Report fraud on the national cybercrime helpline, 1930.
Loan Against Securities in other cities of Delhi
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General information, not personalised financial advice and not an offer. KhatuLoans is not a lender. Rates, fees and eligibility are indicative and vary by lender and applicant; read the Key Fact Statement before you sign.