Loan against securities basics
What a loan against securities is, who can avail one, and which stocks and mutual funds you can pledge.
7 articlesApplying for a loan
The online application, KYC, the documents you sign, and when the money reaches your bank account.
8 articlesInterest and charges
Interest rate slabs, processing fees, pledge charges, and the total cost of borrowing.
6 articlesRepayments
Paying your monthly interest, repaying principal, setting up auto-debit, and late payment charges.
6 articlesLoan-to-value and shortfalls
How your LTV is calculated, why it moves with the market, and what to do when it crosses the permitted limit.
4 articlesManaging your loan
Top-up loans, sanction limits, unpledging securities, and how corporate actions affect pledged holdings.
6 articlesClosing your loan
Closing or foreclosing your loan, getting your securities back, and applying for a fresh loan later.
3 articlesDefaults and credit reporting
When pledged securities can be confiscated, how they are selected, and how your loan is reported to credit bureaus.
4 articles