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Loan Against Shares Calculator
Calculate Your Loan Eligibility Against Shares
Wondering how much loan you can get
against your shares without selling them? Use our Loan Against Shares Calculator to estimate
your eligible loan amount in minutes. Simply select the shares you own to view the latest
market price, applicable loan-to-value (LTV) ratio, eligible loan amount for each stock,
total loan eligibility, and estimated monthly interest.
Our Loan Against Shares Calculator helps you understand your borrowing capacity before
applying for a Loan Against Shares. Compare different share portfolios, estimate the loan
you can avail, and make informed financial decisions while continuing to benefit from your
investments.
Learn More About
Loan Against Shares
Learn More About Loan Against
Shares
Calculate Your Loan Against Shares Eligibility
Loan Against Shares Calculator
| SCRIPT NAME | NO. OF UNITS | SHARE PRICE | TOTAL VALUE |
LTV%
Loan-to-Value
represents the proportion of an asset's value that a
lender is willing
to provide debt financing against.
|
ELIGIBLE AMOUNT | ACTION |
|---|
|
Total Limit
Total
Limit = Total
value of mutual funds x LTV%
₹ 0
|
Interest Rate
Interest
charged
only on utilized amount & for the duration
utilized
10.25% p.a
|
Monthly Interest
The
amount is
calculated assuming 100% utilization for 12 months.
Actual monthly
interest will change depending on
utilization.
₹ 0
|
|---|
Disclaimers:
- Only shares available in the dropdown are eligible for Loan Against Shares (LAS).
- Share prices are based on the previous trading day’s closing price and are indicative only.
- The loan amount shown is an estimate and may change after eligibility, valuation, and verification.
- Interest figures are illustrative; actual interest depends on the amount utilised and the utilisation period.
- Pledged shares are revalued daily, and a fall in share value may reduce the available loan limit.
- This calculator is for informational purposes only and does not constitute loan approval.
0.00
principal amount
10.25% p.a
Annual interest amount
What Is a Loan Against Shares Calculator?
How to Use the Loan Against Shares Calculator?
Share Price
This is the previous trading day's closing market price of your shares, used to estimate your loan eligibility. Prices are updated on every trading day to provide an accurate estimate.
LTV % (Loan-to-Value Ratio)
The Loan-to-Value (LTV) ratio is the percentage of your share's value that you can avail as a loan. The applicable LTV depends on the eligibility category of the share.
- Category A: Up to 45%
- Category B: Up to 40%
- Category C: Up to 35%
- Category D: Up to 30%
The calculator automatically applies the eligible LTV based on the selected share.
Total Loan Amount
The total eligible loan amount is calculated by adding the loan eligibility across all the shares you've entered.
Total Value per Share = Share Price × Number of Shares
This is the current market value of your shareholding. For example, if a share is priced at ₹500 and you hold 100 shares, your total holding value is ₹50,000.
Eligible Amount per Share
Based on the market value and applicable LTV, the calculator shows the loan amount you can avail against each share.
Example:
₹50,000 total value × 45% LTV = ₹22,500 eligible loan amount
Monthly Interest
Interest is charged only on the amount you utilise and only for the number of days it is utilised, at an interest rate of 10.25% p.a. This means you pay interest only on the outstanding loan amount, not on the entire sanctioned limit.
How is Loan Against Shares Calculated?
Here’s a simple Example:
| Share | Share Price | No. of Shares | Total Value | LTV | Eligible Loan |
|---|---|---|---|---|---|
| Company A (Category A) | ₹500 | 100 | ₹50,000 | 45% | ₹22,500 |
| Company B (Category B) | ₹250 | 200 | ₹50,000 | 40% | ₹20,000 |
| Total Eligible Loan: | ₹42,500 | ||||
Enjoy the flexibility to withdraw funds whenever you need them, while paying interest only on the amount you utilise.
Note: During the loan tenure, the pledged shares are revalued daily based on the latest market prices. If the value of your pledged shares declines, your available drawing power or eligible loan limit may be reduced, and you may be required to provide additional eligible securities or repay a part of the outstanding loan to maintain the required margin.
Benefits of Using a Loan Against Shares Calculator
Instant Loan Eligibility
Know how much loan you can get against your shares instantly—without paperwork or manual calculations.
Smart Financial Planning
Compare the benefits of a Loan Against Shares versus selling your shares, and make informed financial decisions without exiting your investments.
No Impact on Your Investments
Estimate your loan eligibility without pledging your shares or affecting your investment portfolio.
Transparent & Easy
Understand your eligible loan amount, applicable LTV, share value, and estimated interest through one simple, easy-to-use calculator
Free, No Signup Required
Use the Loan Against Shares Calculator as many times as you like—completely free, with no registration or login required.
Compare lenders
Compare eligible loan amounts, interest rates, and key features offered by different lenders before choosing the right Loan Against Shares provider.
FAQs About Loan Against Shares Calculator
Your interest is calculated daily based on the amount you’ve used and billed at month-end. It will be auto-debited from your registered bank account on the 3rd of the next month.
Not at all. It’s just an estimation tool, no personal details or credit checks involved.
No. This calculator is completely free to use and doesn’t require any login or personal information.