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Loan Against Securities

At SMC Finance, we understand how much you value your investments and want them to remain as your long term investments. With our Loan against Securities offer, you can meet immediate cash requirements without having to liquidate the securities.

With SMC Finance's Loan against securities, you can get credit against your securities like Equity Shares, Mutual Fund Units while still retaining ownership.


  • Loan Available against Approved Securities:
    1. NSE/ BSE Listed Shares (view List of Approved Shares)
    2. Fixed Maturity Plans
    3. ETFs
    4. Corporate Bonds
    5. Government Securities
  • Tailor made scheme to cater to the needs of all segments of investors.


  • No EMI (Flexibility in tenure and repayment options)
  • No Pre-payment Charges
  • Quick turn-around times
  • Ease of documentation
  • Interest charged only on daily utilised balance

Need A Loan

* Indicates Mandatory fields


  • Individual (Age 18 - 60 yrs)/ HUF/ Corporate / LLPs.
  • Securities offered shall be in approved list.
  • Salary/Income / Cash flow to establish source of repayment

Service Charges

Rates and Charges

Loan against Securities comes to you at attractive interest rates ranging from 12% to 18%, which are based on the trends prevailing in the market at the time of the loan. The rates may vary according to the product variant.

Description of Charge Loan Against Securities
Pre-payment Charge Nil
Penal Interest ???
Cheque return charge 750/-

** Service Tax and other Government taxes, levies, etc. applicable as per the prevailing rates will be charged n addition to these charges.

Service Charge

  • Stamp duty for the loan document and other documents will be paid by the borrower.


  • Application Form
  • Proof of both identity and address
  • Income tax return for last two years with following supporting documents:
    1. (a) Salaried:(I) Latest Form-16 and IT returns (II) Computation of total income
    2. (b) Self employed: (i) Profit/ Loss Account (ii) Balance Sheet (For Individual/HUF)
    3. Income tax return for last three years with following supporting documents:
    4. (i) Profit/loss Accounts (ii) Audited Balance Sheet (iii) Computation of total income (For Non-Individual)
  • Copy of last 3 months' Bank Statements, showing salary or your current/saving account, for last 3 months (in case of self employed individual).
  • Basic KYC Documents
  • FATCA Declaration

Terms & Conditions

  • The securities must be in demat form, except mutual funds.
  • Approved securities list is subject to change from time to time.
  • LTV of maximum 50% to be maintained at all times. (in case of loan against listed shares). *LTV - Loan to value ratio

About SMC

Established in 1990, SMC is one of the leading and well-diversified financial services companies in India offering services across brokerage (across the asset classes of equities (cash and derivatives), commodities and currency), investment banking, wealth management, distribution of third party financial products, research, financing, depository services, insurance broking and clearing services and real estate advisory services to corporate, institutional, high net worth individuals and other retail clients.

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serving over
18 Lac
unique clients
add people
Workforce of
Presence in500+ cities & oversease offices in Dubai
large network of
2,500+ sub-brokers & authorised persons
secure wallet
Cumulative AUM under Mutual Funds 3,000+ crores
*As on 31st March 2018


What is Loan Against Securities?
As the name suggests itself, you can borrow funds against the securities you are holding. Securities here mean listed securities such as shares, mutual funds, insurance, bonds, etc. For availing this Loan you simply have to pledge your shares.
What is the purpose of Loan against Securities?
The purpose of loan against securities is to take care of all your investments as well as personal needs, and to help you meet your contingencies.
What is the interest rate for loan against Securities?
SMC Finance offers you Loan Against Securities at a very attractive rate of interest. To know more about interest rate click here. Other charges would also be applicable.
What is the minimum margin that I have to maintain?
As per RBI norms, a minimum 50% margin must be maintained on shares.
Does shares re-value? What if its value decreases?
At SMC Finance, we follow the system of daily monitoring of portfolio based on the market price. If at the price of shares decreases, resulting in any margin shortfall then the customer has to immediately make good by providing additional shares or making part repayment.
What are the documents required for Loan Against Shares?
For Loan Against Shares standard documents such as application form, LAS kit, Photograph, PAN card, ID proof, address proof, Demat statement (last 6 months), Bank statement (last 3 months) etc. are required. For more information click here.

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Disclaimer: Investment in securities and commodities market are subject to market risks, read all the related documents carefully before investing. SMC Global Securities Ltd. (CIN : U67120DL1997PLC188881): NSE INB/ INF/INE 230771431, BSE INB/INF 011343937, MSEI INB/INF 260771432, CDSL/NSDL-IN-DP-130-2015, SMC Research Analyst Registration- INH 100001849 I SMC Global Securities Ltd.: NCDEX/MCX (8200)/ NMCE/ICEX-INZ000035839 I SMC Global Securities Ltd.: PMS INP000003435 I SMC Insurance Brokers Pvt. Ltd., IRDAI Regi: No: DB 272/04, License No. 289 Valid from 28-01-2020 to 27-01-2023 I Registered Office: 11/6B, Shanti Chamber, Pusa Road, New Delhi-110005, Tel.: (011) 30111000. For any complaints email –, website:

The Stock Exchange, Mumbai is not in any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and/or violation, actual or perceived, by us or our partners, agents, associates etc., of any of the Rules, Regulations, Bye-laws of the Stock Exchange, Mumbai, SEBI Act or any other laws in force from time to time.

The Stock Exchange, Mumbai is not answerable, responsible or liable for any information on this Website or for any services rendered by our employees, our servants, and us.
By submitting your details to SMC, you are authorizing us to send promotional communication through Call/Email/SMS/Whatsapp even though you may be registered under DND.

Insurance is the subject matter of solicitation • All insurance products sold through SMC Insurance Brokers Pvt. Ltd. • Investment Banking Services provided by SMC Capitals Ltd. • Equity PMS and Wealth management services provided by SMC Global Securities Ltd. • IPOs and Mutual Funds distribution services are provided by SMC Global Securities Ltd. • Financing Services provided by Moneywise Financial Services Pvt Ltd. • Commodity broking services provided by SMC Global Securities Ltd. • Real Estate Advisory services are offered through SMC Real Estate Advisors Pvt. Ltd.

Filing Complaints on SCORES- Easy & quick

a. Register on SCORES portal

b. Mandatory details for filing complaints on SCORES:

i. Name, PAN, Address, Mobile Number, Email ID

c. Benefits:

i. Effective Communication

ii. Speedy redressal of the grievances"


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