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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

Total Interest

Total Amount Payable

₹

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?

The loan amount you get against your securities depends on the LTV ratio, which has been given below as per the RBI guidelines.

  • LTV for Equities: Up to 50% of their value.
  • LTV for Debt Instruments: Up to 70% of their value.

For example:

If the pledged equities in the demat account are valued at ₹5,00,000, the maximum loan amount will be ₹2,50,000 as per the above-mentioned LTV ratio.

  • Value of Equities (in Demat Account): ₹5,00,000
  • Disbursed Loan Amount: ₹2,50,000
  • LTV Calculation:
    LTV = ₹2,50,000 / ₹5,00,000 = 50%
4. What happens if the value of my shares changes while being mortgaged against the loan?

Suppose the market value of your pledged shares goes down, and the LTV ratio crosses the maximum limit (50%) set by the RBI. In that case, you must either pledge additional shares or repay a proportionate principal amount to maintain the required LTV ratio. If you fail to do so, DMI Finance Private Limited may invoke the pledge and partially or fully liquidate the securities to cover the shortfall.

If the value of securities increases, the LTV ratio will decrease automatically, and no action is required.

5. What is the maximum amount I can borrow against my securities from DMI Finance?

You can borrow up to 1 crore, depending on the market value of your securities and if they meet DMI Finance’s eligibility rules.

6. Can I continue to earn dividends on the pledged shares?

Yes, you’ll still receive dividends as long as the shares stay in your Demat account and you remain their rightful owner.

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