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Pledging additional securities to fix a shortfall

Pledge more securities without taking a disbursal, so the extra collateral only lowers your LTV.

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To pledge additional securities and lower your LTV, follow these steps on the Zerodha Capital loan dashboard.

  1. Visit zerodhacapital.com and log in to your account.
  2. Go to the Dashboard page.
  3. Select the securities you wish to pledge.
  4. E-sign the document.
  5. Confirm the e-pledge request.
  6. Select I do not want disbursement in my bank account.

That last step is what makes this a shortfall fix rather than a top-up: the securities are pledged purely to improve your LTV, and no loan amount is credited to your bank account.

Remember that pledge charges of Rs. 32 per security plus 18% GST are levied by CDSL on each pledge request.

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