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Opt for Loan Against Shares, Mutual Funds, Bonds and Debentures

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documents Required
  • Most Important Terms and Conditions (MITC)

Loan Against Shares, Mutual Funds, Bonds and Debentures Features

  • Minimum Amount – Rs. 1 Lakh
  • Maximum Limit per Individual as under:

  • Securities Amount
    Shares/ Equity Oriented MF in Demat Form/ Debentures and Bonds in Demat Form Rs. 20 Lacs
    Equity Oriented MF in Unit Form Rs. 10 Lacs
    Debt Oriented MF in Unit/ Demat Form Rs. 5 Crore
  • Overdraft Facility
  • Pay interest only on utilised amount

Loan Against Shares, Mutual Funds, Bonds and Debentures Eligibility

  • Any Individual (Resident & Non-Resident) including staff members engaged in gainful activity having regular source of income.
  • Two or more Individuals
    • The securities can be held in any one’s/ joint name. In case of Joint name, all the holders must be applicant/ co-applicant.
    • If co-applicant is not holder of security, he/she should be close relative of holder.
    • At least one applicant/ co- applicant should be engaged in gainful activity having regular source of income.
    • The total outstanding per individual should not to cross the limits mentioned under ticket size from entire Banking system.

Loan Against Shares, Mutual Funds, Bonds and Debentures Interest rates & charges

Product Conditions Repo Rate + Spread Effective Rate of Interest
Loan against Securities
Repo Rate + Spread
From BRLLR + SP + 0.50% to BRLLR + SP + 1.80%
Effective Rate of Interest
0.00%
Conditions
Staff Members
Repo Rate + Spread
BRLLR+SP+0.60%
Effective Rate of Interest
0.00%

Cibil Score Applicable rate of interest
800 & above BRLLR + Strategic premium + 0.25%
771 & above but less than 800 BRLLR + Strategic premium + 0.60%
726 & above but less than 771 BRLLR + Strategic premium + 0.85%
701 & above but less than 726 BRLLR + Strategic premium + 1.10%
Less than 701 BRLLR + Strategic premium + 1.35%
(-1) BRLLR + Strategic premium + 1.10%
Staff Members BRLLR + Strategic premium + 0.35%

Processing Charges

New Account – 0.35% of sanctioned amount

Minimum : Rs 500, Maximum : Rs 2500 (Rs 1000 for Baroda e-trade account holders)

Renewal /Enhancement – 0.35% of sanctioned amount

Minimum: Rs 250

Maximum: Rs 1250 ( Rs 500 for Baroda e-trade account holders)


Service Charges (Excluding GST) w.e.f. 20.06.2019

Baroda Advance Against Securities Rs 500/-

(No other charges)

Staff/ Ex-Staff: No Charge

Loan Against Shares, Mutual Funds, Bonds and Debentures Documents Required

  • Identity Proof
  • Address Proof
  • Income Proof
  • Security Details

Loan Against Shares, Mutual Funds, Bonds and Debentures Most Important Terms and Conditions (MITC)

Age
  • 21 to 70 years

CIBIL Cutoff
  • Minimum/ Cut-off CIBIL score of all applicants should be 701
  • Applicants having score of (-1)/(0) will also be eligible

Overdue Interest
  • 2% above sanctioned rate will be applicable on overdue amount

Margin Call

The borrower will not be able to reclaim any securities which are once invoked

LTV Breach Timelines to sell
For Equity Shares, Equity Mutual Funds & Alternate Investment Funds For Debt Funds, Bonds and Debentures
Above 50% & upto 60% Above 75% & upto 80% Maximum within T+4th Day of LTV Breach
Above 60% & upto 65% Above 80% & upto 85% Maximum within T+4th Day of LTV Breach
Above 65% Above 85% Maximum within T+2nd day of LTV Breach beyond 65% or 85%
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