1. What’s the usual interest rate for a loan against shares in India?

The loan against shares interest rate usually falls between 8% and 12.5% per annum. It depends on the lender, your credit score and the shares used as security.

2. Is there any risk involved with a loan against shares?

Yes. If your share prices fall significantly, the lender may ask for a top-up or partial repayment. This is known as a margin call.

3. Can I continue earning dividends on pledged shares?

Yes, you retain ownership of the shares and continue to receive dividends or bonuses even when they are pledged for a loan.

4. What types of shares are eligible for LAS?

Only listed shares that are approved by your lender. Typically, large-cap or NIFTY 100 shares are preferred.

5. Can I repay the loan before the tenure ends?

Yes, prepayment is usually allowed. Most lenders do not charge penalties for early repayment of LAS, especially if it is an overdraft facility.

Loan Against Shares Interest Rates 2026

Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.

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Loan Against Shares Interest Rates in 2026

"Check Your Loan Eligibility in Minutes!"

Loan Against Shares Interest Rates in 2026

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Anjali Singh

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