The Loan Against Securities is an overdraft facility secured against your investment portfolio. We offer you a line of credit against a wide range of shares, bonds and mutual funds
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Additional Features

  • Personalised multi-city cheque book
  • Phone banking
  • No Prepayment penalty
  • Simple Documentation, Quick and Efficient servicing

* The Smart Credit Account Limit is at the sole discretion of the bank and can be increased, decreased or blocked based on the bank's credit policies.


Please refer to Schedule of Service Charges for details on fees and tariffs.

* Terms and conditions apply.

Eligibility and Documentation

  • Age 21 and above
  • Available in Mumbai, Pune, Ahmedabad, Vadodra, Surat, Delhi, Kolkata and Chennai
  • Documents required with application form: Identity proof, signature proof and address proof (as per prevailing KYC guidelines)

* Terms & Conditions apply. All credit facilities are at the sole discretion of the Bank and subject to RBI regulations applicable from time to time.


Apart from shares, what are other investments against which Loan Against Securities can be availed?

Apart from approved list of Demat shares, Loan Against Securities can also be availed against an approved list of mutual funds, fixed maturity plans and bonds.

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What is the drawing / operating limit I can avail against pledged securities?

The drawing / operating limit can be as high as 50% of the securities pledged (in case of shares / equity mutual funds). The drawing limit against security of debt mutual funds is higher. The drawing limit can change depending upon the type & proportion in which the securities are pledged, as well as the value of the securities.

Whose securities can be pledged to avail Loan Against Securities?

You can pledge your own securities.

What is the maximum amount of loan limits I can avail?

An individual can avail a maximum limit of Rs.20 lakhs against the security of shares / equity mutual funds. This limit is higher for other securities.

For what purposes can the loan be used?

Loan Against Securities can be used for any personal and/or business purposes, which have to be declared at the time of origination.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.