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Loan Against Shares

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About Loan Against Shares

While being part of the Employee Stock Ownership Plan (ESOP) is a definite asset, you can now utilise it to meet your liquid cash requirements. Avail of our Loan Against ESOPs and Shares without parting with any of the benefits.

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  • Loan of up to 50% of the value of shares
  • Option of EMI-based repayment or interest only payment
  • Instant credit
  • Attractive interest rates
  • Shares can be pledged from any Depository participant across the country
  • Simple and hassle-free

Features of loan Against Shares

All loans are not created equal, loan Against Shares has become a great option for people to use.

Instant Approval

Tell us your needs and we will give you an instant decision.

Free Credit Report

Get a new credit report and we reimburse the fees when you get a loan.

Reasonable Rates

Our fees are amongst the lowest, due to our efficient process. Rates start from 7% (upto 30%) annualized!

Decide your tenure

Borrow for durations starting from 3 months to 12 months , amounts from Rs 10,000 to Rs 1 lakh

loan Against Shares - Eligibility

Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a loan Against Shares.

Salaried Individuals include salaried Doctors, CAs, employees of select public and private limited companies, Government sector employees including public sector undertakings:
Eligibility Criteria
  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 58 years (60 years for Central Government employees)
  • Minimum employment: 3 years in total and a minimum 1 year in the current organisation
  • Minimum Net Monthly Income: ₹ 7,500 per month (₹ 10,000 in Mumbai, Delhi & Bangalore)
  • Self-employed (Professionals) include self - employed Doctors, Chartered Accountants, Architects, and Company Secretaries.
Eligibility Criteria
  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 65 years
  • Years in business : Minimum 4 years with atleast 2 years in the same business
  • Minimum Annual Income: Rs. 1,00,000 p.a. for metropolitan locations & Rs. 75,000 p.a. for locations
  • Self Employed (Individuals) include Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.
Eligibility Criteria
  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 65 years
  • Years in business: Minimum 4 years with atleast 2 years in the same business
  • Minimum Annual Income: Rs. 100000/- p.a. for metropolitan locations & Rs. 75,000 p.a. for other locations.
  • Self Employed (Private Companies and Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services
Eligibility Criteria
  • Years in business: Minimum 4 years from commencement of business
  • Business must be in profit for the last 2 years
  • Minimum Annual Income: Rs. 1,00,000 p.a. for metropolitan locations & Rs. 75,000 p.a. for other locations

Frequently Ask Questions

If you have a question that deals with borrowers, Please see below FAQ page.

Any Indian national above 18 years of age and having Aadhaar card is eligible to apply for a loan on ArhamFinserv.

Borrowing is a three step process.

  • First, borrower submits loan application here.
  • Second, ArhamFinserv profiles and evaluates the submitted financials and updates borrower on the loan decision.
  • Agreement is signed digitally and Aadhaar verification is performed. For first time users, a physical verification is required. Employer verification has to be performed via email.

Yes, we have an option of repayment

No. Loans disbursed via ArhamFinserv are collateral free, but borrowers are legally obligated to repay to the lenders the capital borrowed from them. We also collect post-dated checks from borrowers as a security against the loan.

Apply for Loan or Need a Quote

Now apply for a Loan online, All you need to do is provide your details below application form.

Our goal at Arham Finance is to provide access to personal loans and education loan, car loan, home loan at insight competitive interest rates. We are the loan provider, you can use our loan product.

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7/1, New Palasia, Indore

+91 731-4973704

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