Lakshmi-Vilas-Bank Personal-NRI Premium-Banking

Loan Against Securities


Put your long term investments to work during emergencies. LVB offers a line of credit against the value of your investments in BSE Top 200 stocks, mutual fund policies and such other personal finance products. It's your chance to access easy finance without disturbing your investment portfolio.


  • Individuals, between 21 to 75 years

Quantum of Finance

  • Minimum: 1 lac
  • Maximum: Rs. 20 lacs

Type of facility

  • Overdraft i.e. working capital facility
  • Lending is restricted to dematerialized shares of companies that make the BSE Top 200;
  • excludes the bank's own shares


  • 12 months, renewable every year
  • Processing Charges: 0.25% of the loan amount subject to a minimum of Rs. 2500 plus applicable taxes

Penal Interest

  • 16% p.a.
  • Competitive interest rate: Fixed at 1 year MCLR + 1.60%
  • 50% Margin for lending against equity shares
  • 50% Margin for lending against mutual funds & exchange-traded funds
  • 20% Margin for lending against debentures, bonds & government securities


  • List of LVB Branches that offer Loans against Securities
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