Loan Against Securities By Standard Chartered Bank

Features For Standard Chartered Bank

  • Economical overdraft facility

    Interest is only payable on utilisation, so the Loan Against Securities is an economical credit line

  • High Loan Amounts

    Your overdraft is based on your entire portfolio, but limits are higher against debt mutual funds

  • Low interest rates

    We charge extremely competitive processing fees and interest rates on the Loan Against Securities

  • Easy access to your account

    We operate service desks in select cities throughout India

Additional Features For Standard Chartered Bank

  • Personalised multi-city cheque book
  • Phone banking

* 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.


    • Age 21 and above
    • The Loan Against Securities is available in Mumbai, Pune, Ahmedabad, Vadodra, Surat, Delhi, Kolkata and Chennai

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


FAQs Of Standard Chartered Bank


    • 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.
    • 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.

We've been in India for over 150 years

We're India's largest international bank with 99 branches in 42 cities, and we've been operating here since 1858.

Our Customers and Clients Come First

We use our global capabilities and deep local knowledge in India to provide a wide-range of products and services to meet the needs of our individual and business customers.

We build our products and services around you and have a number of commitments to help ensure that our customer have the best possible experience with us. View our service commitments.

Our Sponsorships

We're proud sponsors of:

  • The Standard Chartered Mumbai Marathon - title sponsor for the last ten years
  • Asia Cup - official partner of the bi-annual cricket tournament
  • The Economic Times Awards for Corporate Excellence - title sponsor from 2012 to 2016
  • Liverpool Football Club - our four year sponsorship started in June 2012.

Our Awards

Our products and services are often recognised by industry leaders. Here are a few of our recent awards:

  • Best Foreign Bank 2012 - Bloomberg Financial Leadership Awards
  • Financial Advisor of the Year Award 2012 - UTI CNBC
  • Best Private Bank in India by the Asian Private Banker at the Awards for Distinction 2012.

Our Listings and Subsidiaries

Standard Chartered PLC, our UK based parent, became the first foreign company to list in India through the issuance of Indian Depository Receipts in June 2010.

We also have a number of subsidiaries operating in India:

  • Standard Chartered Securities (India) Ltd, the vehicle for the equities business
  • Standard Chartered Private Equity Advisory (India) Private Limited
  • Standard Chartered Investments and Loans (India) Limited
  • Standard Chartered Finance limited and SCOPE International.

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