Loan Against Securities

Leverage Your Investments for Immediate Liquidity

At South Indian Bank, we understand the importance of maintaining your investments while accessing immediate liquidity. Our Loan Against Securities offers a smart financing solution that allows you to secure funds without selling your valuable assets. By pledging your equity shares, mutual funds, or other approved securities, you can gain quick access to funds while your investments continue to generate returns. This means you can meet urgent financial needs, seize business opportunities, or manage unexpected expenses without disrupting your long-term wealth creation strategy. 
 

Key Features and Benefits

Attractive Interest Rates

Competitive and affordable.

Flexible Tenure

Aligned with your financial plans.

Primary Security

Investments remain in your name.

Quick Processing

Fast approvals with minimal paperwork.

Loan Against Securities

What is SIB Loan Against Securities?

SIB Loan Against Securities facility enables you to leverage the right value of your investments by pledging your equity shares, mutual funds, or other eligible securities. Along with flexible loan limits and flexible repayment tenures, enjoy competitive interest rates that minimize borrowing costs. Additionally, your investments remain in your name, allowing you to continue earning returns while they serve as collateral, ensuring both liquidity and sustained growth.

Criteria Details
Eligible Securities Equity shares, mutual funds, bonds, ETFs, and other approved instruments
Minimum Investment Value As per South Indian Banks guidelines
Applicant Type Individuals, HNIs, and salaried/self-employed professionals
Criteria Details
Interest Rates Competitive rates linked to market benchmarks
Processing Fee Nominal charges for a smooth process
Maximum Tenure Flexible options aligned with your financial goals
Category Documents Required
Identity Proof PAN Card, Aadhaar, etc.
Financial Statements Latest IT returns, salary slips, or income proof
Investment Proof Demat statement, mutual fund portfolio, or bond certificates
Other Supporting Documents As required for assessment
  • Online Application:

           Enter your details here and our representative will connect with you.

 

  • Offline Application:

           Visit your Nearest Branch – Bring the required documents and discuss your needs with our loan officer. Branch locator

           Complete the Application Process – Submit the necessary paperwork for verification.

            Approval and Disbursal – Once approved, funds are made available quickly.

QUESTIONS & ANSWERS

Frequently Asked Questions

To get answers to the frequently asked queries

 It is a financial facility that enables individuals to borrow funds by pledging their investments as collateral.

Yes, you will still receive dividends, interest, and other benefits while your investments remain pledged.

The loan amount depends on the value and type of securities pledged, as per South Indian Bank’s guidelines.

 No, South Indian Bank offers flexible repayment options with minimal or no prepayment penalties.

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