A loan against securities can be availed online in a few minutes. The securities in your Zerodha demat account must be pledged to Zerodha Capital Private Limited (ZCPL), the RBI-registered NBFC that lends to you.
Steps
- Visit zerodhacapital.com and click Sign up.
- You will receive a unique Zerodha Capital Client ID on your email. This becomes your login ID for the dashboard once the loan is activated.
- Follow the on-screen steps and complete your initial KYC.
- Select the securities you want to pledge.
- E-sign the loan documents.
- Authorise the pledging of your securities via OTP.
- Complete your video KYC.
- Wait for the funds to be credited to your bank account.
What to expect at the end
Once the application is completed successfully, you will see the message Loan request initiated. This confirms your request has been submitted, and the loan amount will be credited to your bank account within one working day.
Keep your Aadhaar and PAN handy during the process so you can enter OTPs quickly and avoid screen time-outs.