HDFC Bank enables individuals and NRIs to pledge a diverse range of eligible securities as collateral. It includes equity shares, mutual fund units, bonds, insurance policies, NSC/KVP, and more. You can put it as collateral to unlock quick liquidity through an overdraft or term loan facility. But what is the HDFC loan against securities interest rate? It starts at 8.50% p.a. However, it varies based on several factors which I added below.
What is HDFC Bank Loan Against Securities Interest Rate?
It depends on the following factors.
Your credit profile
Collateral risk
Type of securities
Your loan amount
HDFC Bank's latest policies
Based on recent data for January to March 2025 customers, interest spreads vary significantly:
For equity securities, the internal rate of return (IRR) ranges from 8.50% to 17.50%, averaging around 10.52%
For debt instruments, the IRR spans 6.75% to 13.80%, averaging 9.72%
Borrowers only pay interest on the actual amount drawn, with interest calculated on the daily outstanding balance and debited monthly.
In addition to loan against securities interest rate HDFC Bank, its LAS includes processing fees for digital cases range from 0.5% of sanctioned limit, while physical submissions incur up to 1%.
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What is HDFC Loan Against Securities Interest Rate?
aryan3
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7 months
2025-06-19T13:55:41+00:00 2025-06-19T13:55:42+00:00Comment
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