Looking for HDFC Bank Loan Against Shares?
Compare HDFC Bank's Loan Against Shares offering with Quicklend's 10.3% p.a. transparent rate — and decide what works best for you.
What is HDFC Bank Loan Against Shares?
HDFC Bank's Loan Against Shares (LAS) is a secured credit facility that lets you pledge your equity shares as collateral and borrow against their market value — without selling your investments.
HDFC Bank provides the loan as an overdraft against your pledged shares. You retain ownership of the shares, continue receiving dividends and corporate benefits, and the pledge is released once you repay the loan.
LAS from HDFC Bank is structured for investors who need working capital, business funding, or personal liquidity without exiting their equity positions.
HDFC Bank is India's largest private sector bank, offering digital loan against mutual funds through its NetBanking and mobile banking platform.
HDFC Bank LAS Interest Rates & Charges
| Charge Type | HDFC Bank |
|---|---|
| Interest Rate | 10.50% – 11.50% p.a. |
| Processing Fee | 0.50% of loan amount |
| Prepayment Charges | Nil |
HDFC Bank LAS rates are benchmark-linked and vary based on the securities pledged and prevailing rate environment. Rates subject to change. Please verify current rates directly with HDFC Bank.
Eligibility Criteria for HDFC Bank LAS
To apply for a Loan Against Shares from HDFC Bank, you generally need to meet the following criteria:
- Existing HDFC Bank account holders preferred
- Age: 18–70 years
- Shares must be listed on NSE or BSE and on HDFC's approved list
- Demat account must be with any CDSL/NSDL registered DP
- KYC compliance required
- Shares must be free of existing pledges or encumbrances
Note: Quicklend has no bank account requirement — any investor with eligible listed shares can apply, regardless of which bank they use.
LTV Ratio & Loan Amount for HDFC Bank LAS
LTV on Approved Shares
Up to 50%
Maximum Loan
₹1 crore
Minimum Loan
₹1 lakh
The LTV ratio for LAS is determined by SEBI guidelines and the bank's internal risk policy. For example, with ₹10 lakh in eligible shares, HDFC Bank typically allows you to borrow up to ₹5 lakh (50% LTV).
Quicklend offers the same 50% LTV on approved shares through Bajaj Finance, with no bank account requirement and same-day disbursement.
Explore loan calculators →Eligible Shares & Stocks for HDFC Bank LAS
HDFC Bank accepts NSE/BSE-listed shares from their approved securities list. The list covers most large-cap and mid-cap stocks. LTV is determined by the stock category.
Examples of stocks commonly approved by HDFC Bank:
- Reliance Industries
- Infosys
- HDFC Bank
- TCS
- Wipro
- Maruti Suzuki
- Bajaj Finance
- Most Nifty 50 and Nifty Next 50 stocks
The approved securities list varies by bank and is updated periodically. Confirm eligibility with HDFC Bank before applying.
Documents Required for HDFC Bank LAS
To apply for a Loan Against Shares from HDFC Bank, you will typically need to submit the following documents:
- PAN card
- Aadhaar card
- HDFC Bank account details
- Demat account statement
- Demat holding certificate
- Passport-size photograph
Quicklend's document requirements are similar — PAN, Aadhaar, mutual fund or demat statement — and the entire submission is done digitally. No physical copies or branch visits required.
How to Apply for HDFC Bank LAS
Here is a step-by-step guide to apply for a Loan Against Shares from HDFC Bank:
- 1Log in to HDFC Bank NetBanking or visit a branch
- 2Submit a loan against shares application
- 3Specify the shares to be pledged from your demat account
- 4Bank evaluates the collateral and determines the loan amount
- 5Complete digital pledge on your demat account
- 6Overdraft limit is activated in your HDFC Bank account
Processing time at HDFC Bank: 1–2 working days. Branch-based applications typically take more time than digital ones.
HDFC Bank vs Quicklend: LAS Detailed Comparison
Here is a feature-by-feature comparison of HDFC Bank's LAS and Quicklend's offering, so you can make an informed decision.
| Feature | HDFC Bank |  |
|---|---|---|
| Interest Rate | ~10.50% – 11.50% p.a. | 10.3% p.a. (fixed, transparent) |
| LTV on Approved Shares | Up to 50% | Up to 50% |
| Application Process | App / Branch (HDFC Bank account required) | 100% Online (no account needed) |
| Approval Time | 1–2 working days | Same day |
| Bank Account Required | HDFC Bank account required | No – any bank account accepted |
| Lending Partner | HDFC Bank | Bajaj Finance Ltd (India's #1 NBFC) |
| Retain Dividends | Yes | Yes |
| Prepayment Charges | Nil (floating rate) | Zero |
The table above highlights the key differences between HDFC Bank and Quicklend for LAS. While HDFC Bank is a reliable option for its existing customers, Quicklend stands out on three dimensions most borrowers care about: rate, speed, and accessibility.
Quicklend's rate of 10.3% p.a. is fixed and fully transparent — there are no surprises when the base rate changes. With a 100% digital process backed by Bajaj Finance Ltd, you get the trust of India's largest NBFC without needing to be a customer of any specific bank.
* HDFC Bank rates are indicative and subject to change. Verify current rates at HDFC Bank's official website.
Why Choose Quicklend Over HDFC Bank for LAS
Both HDFC Bank and Quicklend offer Loan Against Shares — but Quicklend is purpose-built for speed, transparency, and accessibility. Here is why thousands of investors choose Quicklend:
Transparent 10.3% p.a. Rate
Quicklend charges a fixed 10.3% p.a. — no hidden charges, no rate fluctuations tied to bank benchmarks. You know exactly what you pay from day one.
100% Online Process
Apply, upload documents, get approved, and receive funds — entirely online. No branch visits, no physical paperwork, no queues.
Same-Day Approval & Disbursement
Quicklend's digital-first process ensures your application is reviewed and funds are disbursed on the same day — ideal when you need quick liquidity.
No Bank Account Requirement
Unlike banks that restrict LAMF/LAS to their own account holders, Quicklend is open to every investor in India, regardless of which bank you use.
Bajaj Finance Ltd Partnership
Your loan is powered by Bajaj Finance Ltd — India's largest NBFC with a 35+ year track record and an AAA credit rating. Rock-solid reliability.
Higher LTV on Debt Funds
Quicklend offers up to 80% LTV on debt mutual funds — matching the best rates in the market — so you unlock more value from your portfolio.
Zero Prepayment Charges
Repay part or all of your loan any time without penalty. Flexibility to manage your loan tenure on your own terms.
ISO 27001 Certified Security
Quicklend is ISO 27001 certified, meeting international standards for information security. Your financial and personal data is fully protected.
How to Apply for Quicklend LAS
Applying for a Loan Against Shares with Quicklend takes under 15 minutes — entirely online, with no branch visit required.
- 1
Visit Quicklend
Go to quicklend.in and click on 'Loan Against Shares'.
- 2
Enter Your Details
Provide your mobile number, PAN, and basic information. No CIBIL score check required.
- 3
Share Demat Holdings
Upload your demat holding statement or link your CDSL/NSDL account to show your share portfolio.
- 4
Get Instant Approval
Quicklend assesses your eligible shares and shows the approved loan amount at 10.3% p.a.
- 5
Receive Funds Same Day
Complete e-KYC, e-sign the pledge agreement, and funds are transferred to your account on the same day.
Frequently Asked Questions: HDFC Bank LAS vs Quicklend
Disclaimer: The bank rate information on this page is indicative and based on publicly available data as of 2026. Actual rates may vary. Please verify current rates directly with HDFC Bank before applying. Quicklend operates through Bajaj Finance Ltd and all loan products are subject to their terms and conditions.