Loan Against Shares Calculator
Your shareholding doesn't have to be sold to be useful. Enter your scrip and quantity below, and find out in seconds how much you may be eligible to borrow against your existing shares - without exiting a single position. It's the quickest way to see what your demat holdings can unlock, before you decide whether to apply at all.
- RBI-registered NBFC
- Part of the Shriram Group
Try the Shriram Credit Loan Against Shares Calculator
Ready to see your number? Enter your shareholding details such as investment value, tenure, loan required and interest rate and the calculator does the rest, recalculating instantly each time you change a field, so you can compare a few scenarios before deciding.
Want to Borrow
| Interest Only | |
|---|---|
| Each Month | ₹6,563 |
| Total Interest | ₹2,36,250 |
| Total Repaid | ₹9,86,250 |
What Is a Loan Against Shares Calculator?
Wondering how much you can borrow against your shares? A Loan against Shares Calculator helps you get a quick estimate of the loan amount you may be eligible for against your listed shares. Instead of selling your investments, you can pledge eligible shares as security and access funds when you need them.
The calculator considers the current market value of your shares and the applicable Loan-to-Value (LTV) ratio to give you an indicative estimate of the loan amount you could avail.
Shriram Credit built this instant loan eligibility tool lets you plan around what your portfolio can realistically unlock today, rather than picking a loan amount first and hoping your shares can support it.
Why it's different from a regular EMI calculator? A regular EMI calculator usually helps you understand your monthly repayments once you know the loan amount you want. A Loan against Shares Calculator works differently. It starts with the value of your eligible shares and gives you an estimate of the loan amount you may be able to borrow against them.
Note The result you see is indicative. Your final eligible amount and terms will depend on Shriram Credit's assessment of your specific shares and the lending policy in force at the time of your application.
Who Is This Calculator For?
- Demat account holders who want quick liquidity without selling their shares
- Anyone comparing how different scrips in their portfolio affect what they can borrow
- Anyone who wants a clear number in hand before starting a formal loan application
How Does the Calculator Work? (Formula Explained)
Eligible Loan Amount
The calculator estimates your eligible loan amount by applying the applicable Loan-to-Value (LTV) percentage to the value of your pledged securities. The LTV percentage is based on the type of security selected, whether equity shares or debt securities/bonds.
Eligible Loan = Security Value × LTV %
- Equity shares LTV: 50%
- Debt securities/bonds LTV: 50%
Since both rates are identical at 50%, the eligible loan amount will be the same percentage of value regardless of which security type is selected.
Monthly Interest Rate
The calculator converts the annual interest rate selected on the slider into a monthly interest rate. This monthly rate is then used to calculate the repayment amount based on the selected tenure.
Monthly Rate = Annual Rate (P.A.) ÷ 12 ÷ 100
Repayment Mode — Balloon/Interest Only
In the Balloon repayment mode, you pay only the interest every month, while the full loan principal is repaid at the end of the selected tenure.
Monthly Balloon Payment = Loan × r
Total Interest = Monthly Balloon Payment × n
Total Payable = Loan + Total Interest
Progress Bar — Principal vs. Interest
The progress bar gives you a visual breakdown of the total amount payable, showing how much goes towards the principal and how much represents interest.
Principal % = (Loan ÷ Total Payable) × 100
Worked Example
Assumptions: ₹10,00,000 security value, 12-month tenure, 9.5%* p.a. interest rate, 50% LTV (equity or debt — same result either way).
| Metric | Value |
|---|---|
| Eligible loan | ₹5,00,000 (50% of ₹10,00,000) |
| Balloon monthly payment | ≈ ₹3,958 |
| Total interest (Balloon) | ≈ ₹47,500 |
Since a Loan Against Shares typically works as a running facility, interest is usually charged only on the amount you actually withdraw - so if you use less than your full eligible limit, your real monthly outflow would be lower than this illustration.
*LTV and interest rate used here are illustrative for demonstration purposes. Your actual eligible amount and rate will be confirmed by Shriram Credit based on your holdings, the approved scrip list, and prevailing policy.
Step-by-Step: How to Use the LAS Calculator
- Select Your Scrip Search and choose the stock from Shriram Credit's approved list. This decides which LTV band the calculator applies to your holding.
- Enter Your Quantity Held Key in the number of shares you own in a particular stock. You can check the exact figure in your demat holding statement.
- Confirm the Market Price This is auto-filled with the latest traded price, or you can enter it manually if you'd rather work off a specific price point.
- Set Your Preferred Tenure Choose your tenure. This shapes the indicative EMI shown, not your eligible loan amount, so feel free to try a few tenures and compare.
- View Your Results and Apply See your eligible loan amount, applicable LTV and estimated EMI instantly. There's no obligation to apply just because you've checked.
Factors That Affect Your Loan Amount & EMI
Approved Scrip List
Large-cap, liquid shares can go up to the regulatory 50% LTV cap; scrips outside the approved list get a lower LTV, or none at all.
Share Price
Moves constantly through market hours, so your eligible amount can change even without you doing anything.
Interest Rate
A lower rate reduces your EMI for the same loan amount and tenure; a higher rate increases it.
Tenure
A longer tenure usually lowers your EMI but can increase total interest paid over time.
Number of Scrips Pledged
Pledging more than one stock adds up the eligible amount across all of them.
Stock category is usually the factor worth understanding best, since it sets the ceiling on what you can borrow before anything else comes into play - and unlike mutual fund LTV bands, the 50% ceiling on approved shares isn't something Shriram Credit can raise even if it wanted to; it's a regulatory limit. Interest rate and tenure, by contrast, only affect your monthly EMI - they don't change your eligible amount at all.
None of these move in isolation. Extending your tenure, for instance, changes only your EMI - your eligible amount stays tied to the share's market price, scrip category and applicable LTV. You only pay interest on the amount you actually use, not on your full eligible limit.
Benefits of Using Shriram Credit's Online LAS Calculator
Instant Results
See your eligible amount and LTV in seconds, with no waiting for a callback or manual assessment.
Zero Impact to Check
Checking your eligibility involves no credit bureau pull, so it has no effect on your credit score.
Free & Unlimited Use
Run the numbers as many times as you like, across as many scrips and tenures as you want, at no cost.
Real-Time Pricing
Reflects today's market price rather than a stale number from an old statement, so your result is always current.
Know Before You Apply
See your number before starting the process, so you can decide with a figure in hand rather than a guess.
LAS Calculator vs Manual Calculation
A calculator doesn't just save time - it removes the room for error while doing a manual calculation such as tracking live share prices and calculating percentage math, especially across more than one scrip. The Shriram Credit calculator always pulls the current market price, totals multiple scrips automatically, and follows the same formula every time - a manual calculation is slower, easier to get wrong, and can go stale within minutes once the market moves.
Got Questions?
It uses the same formula Shriram Credit uses internally, so it's a close indicative estimate at the price you entered. Because share prices move constantly, the number can change if you check again later, or if you check at a different market price.
Yes. It's completely free, requires no login, and you can use it as many times as you like - there's no cap on how often you check.
No. Checking your eligible amount does not involve a credit bureau pull and has no impact on your CIBIL score. Your score is only affected once you formally apply and Shriram Credit runs a credit check as part of that process.
The calculator gives an indicative figure based on the details you enter and the market price at that moment. Your final offer depends on Shriram Credit's assessment, the exact price on the date of application, and the lending policy in force at that time.
Large-cap, liquid shares on Shriram Credit's approved (Group 1) list are supported at the maximum permissible LTV. Non-approved or high-volatility stocks may get a lower LTV, or may not be accepted as collateral at all.
Your eligible amount would fall too, since it's calculated directly from the current market price. This can also apply after your loan is sanctioned, subject to Shriram Credit's terms, so it's worth understanding this risk before you pledge a concentrated position.
Borrow Without Breaking What You Built.
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