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Loans against Securities

Where will my account be opened?


At any branch specified by you. However, you can operate out of any of our branches under the Anywhere Banking facility.

What are features of the debit card being issued?


The debit card being issued can only be used for transactions at domestic merchant outlets and domestic online transactions and is not applicable for cash withdrawal and international transactions. The daily limit of transactions on your card is 3,00,000 for merchant outlets and online transactions.

You can easily manage your limits on the card through

  • Log in to iMobile > Services > Card Services > Modify Debit Card Limit
  • Log in to Internet Banking > Service Requests > Bank Accounts > ATM/Debit Card Related > Increase/decrease Debit Card Limit


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Loans against Securities Services Charges & Fees


How do I get to know my Credit Limits?


You may check the Total Credit limit, Credit Limit against individual securities, Details of securities pledged and Outstanding amount through any of the following mediums:

  • Call our 24 hour Customer Care Centre
  • Visit any of the nearest ICICI Bank branches
  • Infinity (Internet Banking)
  • Register your E-mail ID for weekly Interim Valuation Reports(IVR) by calling 24 hour Customer Care Centre or visiting our nearest branch.

Who can avail of an ICICI Bank Loan Against Securities?


What are the lending rates for Loans against Securities? How much shall I pay for this facility?


ICICI Bank Loans Against Securities comes to you at attractive interest rates, which are based on the trends prevailing in the market at the time of the loan. You pay only when you use the money and for the number of days the money is used. The rates vary according to the product-variant.

How do I repay the loan against Securities?


You can repay the loan by cash, cheque or demand draft.

How is the interest charged/calculated for Loan for Loan Against Securities?


In the overdraft account, interest will be charged only on the amount you draw and for the period that you draw. Interest will be charged on a daily basis, but will be debited to your account only once a month.

Am I required to have a Demat Account with ICICI Bank?


No, you can pledge your securities irrespective of whether you have a Demat Account with ICICI Bank or any other depository. To open a Demat Account, click here.

How do I approach ICICI Bank for a Loan against securities?


You can approach us in any of the following ways

What are the documents that I need to submit for Loans against Securities?

  • Your loan will be sanctioned on completion of all the documents.

  • You will be asked to fill the loan agreement and complete the account opening formalities.

You will be able to enjoy all the benefits of a current account such as a


How do I pledge more Securities (from the approved list)? How long does it take?


Submit the pledge request forms with your Depository Participant , with whom you hold your Demat Account. Once your DP correctly initiates the pledge request in the favour of ICICI Bank (mentioning your LAS account number as the Agreement no.), the limits will be set within next 24 working hours. "

What about my Dividend and Bonus?


The Dividend and Bonus on your shares will continue to accrue to you.

Will more shares be included in the approved lists?


Yes, these lists are updated on a periodic basis.

I have shares that are in the approved list, but they are in physical form. Can I get a loan against them?


Yes, but you would have to first convert them into the dematerialised form. All you have to do is to get your shares dematerialised through a depository account with ICICI Bank/ any other bank.