Loans Against Bonds
  1. Loans Against Bonds: Borrow Without Liquidating Your Assets

Loans Against Bonds: Credit Solutions, Backed by Passive Income

Unlock the true value of your bond investments with our loans against bonds facility.

Loan against bonds: What sets our offering apart

Versatility, anchored in your investments

Access credit that is adaptable to several personal uses, including healthcare, wedding, education and more, with eligible bond assets

Swift, seamless, secure

Experience rapid and secure support in the form of Lending against Bonds to help ensure you are equipped to take on financial contingencies at any point in time.

Convenience, easy on the pocket

Ensure credit remains cost-efficient with zero processing fees and No foreclosure charges.

Smarter pricing, smarter borrowing

Competitive interest rates help ensure loan repayment never feels like a burden.
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Eligibility criteria for applying

All new and existing customers with eligible CASA relationship with Standard Chartered Bank India are eligible to apply.

Documents you require

  • Identity proof
  • Signature proof
  • Address proof
  • Income Documents
  • Collateral Statements

Application processing will take 5 to 7 days from date of receipt of application, provided the application is complete with all relevant documents

Yes, if they are a part of the approved list of eligible securities for the loans against securities facility with SCB.

Pledging bonds does not transfer ownership to the bank. You continue to remain the owner, such that you can continue to avail scheduled coupon payments as before.

Your sanctioned loan limit depends on the Loan-to-Value (LTV) ratio determined by the bank based on the type and risk profile of the bonds pledged.

Yes. Drawing limits are tied to the market value of securities. Should bond valuations fluctuate owing to interest rate changes and/or changes in their rating, the bank reserves the right to request additional collateral or partial repayments or even change one’s drawing limits.

Yes, Standard Chartered Bank also allows one to pledge, fixed deposits, and approved Mutual funds

No, pledged bonds remain under lien until the loan is repaid, but you do not need to close the entire loan to free up pledged bonds. There is flexibility to partially withdraw pledged securities without full repayment.

Yes — since there are no charges for foreclosure, you can choose to repay your loan early.

The bank reserves the right to redeem your pledged bonds in the event of payment defaults.

Credit enquiries may have a negligible impact on one’s credit scores. However, any default or late interest payments may result in a negative impact on your credit score.

All credit facilities are at the sole discretion of the Bank and  / or subject to RBI / SEBI regulations and all applicable laws from time to time.

Loan-To-Value (“LTV”) ratios are subject to the Bank’s periodic review and may change at any time. The value of the Securities pledged for the facility is determined by the Bank, as per its valuation methodology.

Interest rate, processing charges, Overdraft Transaction Charges and all other charges are subject to change at the sole discretion of the Bank and/or as directed by RBI.