RBI-registered NBFC · N-13.02216
Get liquidity without selling your investments — pledge approved shares and access funds for business or personal financial needs.
Loan Amount: ₹1 Cr to ₹25 Cr
Interest Rate: Starting from 16% P.A.*
Maximum LTV: Up to 50%*
*Subject to applicable lending policies, approved securities, borrower assessment, and regulatory guidelines.
01Loan Against Shares
Structured and transparent solutions for borrowers wanting funds while keeping their investments intact
Leverage the value of your investments while continuing to retain ownership of your pledged shares.
Access funding ranging from ₹1 to ₹25 Crore, subject to approved securities and credit assessment.
Choose a repayment tenure of 12 months to 36 months, based on the sanctioned loan structure.
Loans are available against approved shares that are traded on stock exchanges and held in demat form.
Choose between Flexi Credit and Term Loan facilities, depending on eligibility and approved terms.
The pledge status is verified via NSDL/CDSL records, ensuring a secure and transparent lending process.
02Benefits
Meet your funding needs while continuing to own your shares
Your shares remain in your ownership while being pledged as collateral for the loan
Use funds for business expansion requirements, working capital, capital expenditure, or business asset purchases
Access funds without selling your long-term investments, helping you remain invested in the market
With Flexi Credit, borrowers can withdraw, repay, and redraw funds within an approved limit, subject to loan terms
Rates and repayment structures are determined on the borrower profile, approved securities, and lending policies
Designed for self-employed individuals, professionals, business owners, LLPs, partnership firms, and companies
03Rates & Charges
Choice Finserv offers competitive rates based on applicable lending policies and borrower assessment
*Subject to applicable lending policies and borrower assessment.
Calculator & Eligibility
Plan your borrowing requirement before applying
Estimate your monthly repayment
Indicative only. Actual EMI depends on the approved rate, tenure and scheme.
Check your indicative eligibility
Indicative estimate. Final eligibility depends on credit profile, documents and scheme.
Check Your Eligibility
Available to eligible borrowers who meet the applicable lending criteria
| Criteria | Requirement |
|---|---|
| Applicant Profile | All self-employed non-professional (business), self-employed professionals, business entities |
| Loan Purpose | Working capital and capital expenditure, general business purpose, set-up/establishment of business, business expansion, purchase of business, and personal purpose |
| Types of Facility | Flexi Credit and Term Loan |
| Applicant Age | 21 to 70 years (applicant/co-applicant)* |
| Repayment Track Record | RTR track will be checked for active loans |
Documentation
Documents required for Loan against shares may vary depending on the borrower profile
A short video PD or field visit may be required for verification. All documentation is digitally uploaded and signed.
Loan Purpose
Access funds for a variety of financial requirements, personal or business
Finance business growth initiatives, expansion plans, or new business opportunities
Manage day-to-day operational expenses and improve business cash flow
Meet capital investment requirements — equipment purchases, infrastructure, or business assets
Access funds to address short-term liquidity requirements while continuing to hold your long-term investments
Use the loan for other permitted purposes with the sanctioned loan terms and applicable lending policies
Loan Application
With Choice Finserv the application process is simple and transparent
Share your funding requirement along with basic personal or business details
Provide the necessary KYC, financial, and demat-related documents for assessment
We verify the proposed securities and initiate the pledge process for approved shares
Funds are disbursed after approval and completion of the required formalities
Analyse the following factors before applying for LAS
Only approved securities held in demat form are accepted as collateral. Verify if your holdings meet the eligibility criteria.
The sanctioned loan amount depends on the market value of the pledged securities and the applicable LTV ratio.
Since the value of pledged securities may change over time, it's important to understand how market fluctuations may affect the loan during its tenure.
Before accepting the loan offer, review the applicable interest rate, repayment structure, charges, and other key terms.
Choose a repayment option that aligns with your cash flow and financial commitments to help manage the loan effectively.
Following best practices can help improve your application process
Trust
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Testimonials
We needed quick access to funds for working capital but didn't want to liquidate our investment portfolio. Choice Finserv's Loan Against Shares offered a practical solution with a smooth application process.
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Investment Loans
Leverage your shares, mutual funds, or bonds without selling
Lending Partners
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FAQs
A Loan Against Shares is a secured loan that allows you to borrow funds by pledging eligible shares or other approved securities as collateral. It provides access to funds while allowing you to retain ownership of the pledged securities, subject to the terms of the loan.
Choice Finserv generally accepts eligible listed shares and other approved securities as collateral, subject to its lending policies and applicable regulatory requirements. The list of accepted securities may vary from time to time.
Yes, you continue to own your pledged shares or securities during the loan tenure. However, they remain pledged in favour of Choice Finserv until the outstanding loan obligations have been fully repaid and the pledge is released.
The eligible loan amount is determined after evaluating factors such as the value of the pledged securities, applicable margins, the applicant's financial profile, credit assessment, and other applicable eligibility criteria. The final sanctioned amount is subject to Choice Finserv's internal credit evaluation.
Pledged shares or securities generally cannot be sold unless the pledge is released or the sale is carried out in accordance with the applicable terms of the loan agreement. Please contact Choice Finserv before initiating any transaction involving pledged securities.
If the value of your pledged securities falls below the required level, Choice Finserv may request you to provide additional collateral, reduce the outstanding loan amount, or take other actions in accordance with the loan agreement and applicable terms.
The documents required may vary depending on your applicant profile and the securities being pledged. Generally, you’ll be asked to provide identity and address proof, income-related documents, bank details, Demat account information, and other supporting documents required for the loan assessment. Additional documents may be requested during the application process.
Yes, you may be able to prepay or foreclose your Loan Against Shares loan, subject to the applicable terms, conditions, and charges in effect at the time of your request. Please contact Choice Finserv for details applicable to your loan account.
You can apply for a Loan Against Shares by submitting your application along with the required documents through Choice Finserv's designated application channels. Once your application is received, it will be evaluated as per the applicable eligibility and credit assessment process before a lending decision is made.