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  • Loan Against Security

Unlock the Full Potential of Your Investments with DMI Loan Against Securities

Everything is simpler with a plan

A simple EMI calculator to plan your payments.

If you take a loan of

₹

₹ 10,000 ₹ 4,00,000

For a duration of

Years

1 Year 6 Years

At an interest rate of

% p.a.

10% 25%

Your monthly EMI is

₹4,396

Total Interest

₹2,752

Total Amount Payable

₹52,752

What's special about this loan?

Unlock the value of your investments without selling them. With DMI’s Loan Against Securities, enjoy a quick and seamless process for hassle-free applications and rapid approvals. Choose between term loans or credit facilities, with flexible repayment options designed to suit your needs. Leverage your shares and mutual funds while keeping them secure and growing.

Seamless Loan Process

From application and assessment to disbursal and repayment, every step is smooth and hassle-free.

Instant Disbursal

Get money credited in your account instantly.

Wide range of collaterals

Pledge your Equity Shares or Mutual Funds and get an instant loan in a few easy steps.

Customised loan offers

Our loan offers are customised as per your needs.

Frequently Asked Questions

1. Is a loan against securities secured or unsecured?

A loan against securities is a secured personal loan. The borrower’s financial assets, such as stocks, bonds, and mutual funds, are pledged as collateral. This security allows for lower interest rates and more flexible repayment terms compared to unsecured personal loans.

2. Whom should I pledge the securities to?

To avail of a loan against securities, the securities must be pledged to DMI Finance Private Limited, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI).

3. What is the Loan-to-Value (LTV) offered against the securities? How is the LTV ratio calculated?
  • LTV for Equities: Up to 50% of their value.
  • LTV for Debt Instruments: Up to 70% of their value.

For example:
If the pledged securities in the demat account are valued at ₹5,00,000, the maximum loan disbursable as per RBI guidelines is ₹2,50,000.

  • Value of Securities (in Demat Account): ₹5,00,000
  • Loan Disbursed: ₹2,50,000
  • LTV Calculation:
    LTV = ₹2,50,000 / ₹5,00,000 = 50%
4. Can the LTV fluctuate?

Yes, the LTV is variable in nature as the value of the securities fluctuates.

LTV increases when the value of the securities decreases. For example, assume the value of the securities decreases to ₹4,50,000. The new LTV ratio is –

2,50,000 / 4,50,000
= 55%

5. How to maintain the LTV below 50%?

Since the LTV ratio changes with fluctuations in the value of securities:

If LTV exceeds 50%: You must either pledge additional securities or repay the principal amount to bring the LTV back within permissible limits.
If the value of securities increases: The LTV ratio will decrease automatically, and no action is required.

6. What happens if the LTV is not brought down?

If the LTV exceeds permissible limits and is not corrected, DMI Finance Private Limited may invoke the pledge and partially or fully liquidate the securities to cover the shortfall.