{"id":1301117,"date":"2025-10-07T08:48:59","date_gmt":"2025-10-07T03:18:59","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1301117"},"modified":"2025-10-07T08:49:34","modified_gmt":"2025-10-07T03:19:34","slug":"rbi-allows-upto-rs-1-crore-loan-against-shares","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/rbi-allows-upto-rs-1-crore-loan-against-shares\/","title":{"rendered":"RBI Allows Upto Rs 1 Crore Loan Against Shares"},"content":{"rendered":"\n<p>In a major move to deepen credit access for investors and boost market participation, the Reserve Bank of India (RBI) has significantly relaxed lending norms against securities. Effective <strong>October 1, 2025<\/strong>, individuals can now borrow up to <strong>\u20b91 crore<\/strong> by pledging their listed shares \u2014 a fivefold increase from the earlier cap of \u20b920 lakh. Additionally, the limit for <strong>IPO financing<\/strong> has been raised from \u20b910 lakh to <strong>\u20b925 lakh<\/strong>, making it easier for retail investors to participate in new stock offerings.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Rs2000-Notes-Opt-1-2-1280x720-1-1024x576-1-1280x720-1-1024x576-1.jpeg\" alt=\"RBI Allows Upto Rs 1 Crore Loan Against Shares\" class=\"wp-image-1301128\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Rs2000-Notes-Opt-1-2-1280x720-1-1024x576-1-1280x720-1-1024x576-1.jpeg 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Rs2000-Notes-Opt-1-2-1280x720-1-1024x576-1-1280x720-1-1024x576-1-300x169.jpeg 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Rs2000-Notes-Opt-1-2-1280x720-1-1024x576-1-1280x720-1-1024x576-1-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Announcing the changes after the Monetary Policy Committee meeting, RBI Governor <strong>Sanjay Malhotra<\/strong> said the central bank <a href=\"https:\/\/www.business-standard.com\/finance\/personal-finance\/need-cash-now-borrow-up-to-1-crore-against-your-shares-says-rbi-125100300085_1.html\">aims<\/a> to \u201cenhance lending limits and remove restrictions to make capital more accessible without forcing investors to liquidate their portfolios.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Is a Loan Against Shares?<\/h3>\n\n\n\n<p>A loan against shares allows investors to borrow money by pledging their stocks, mutual funds, or securities as collateral \u2014 without selling them. It\u2019s a preferred choice for those who need emergency funds or want to finance new investments while retaining ownership of their portfolio.<\/p>\n\n\n\n<p>For instance, if you hold shares worth \u20b950 lakh, you could earlier borrow only \u20b920 lakh. With the new rules, depending on lender policies, you could now access up to \u20b91 crore.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why This Change Matters<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>More financial flexibility:<\/strong> Investors facing short-term cash needs for education, healthcare, or business can now borrow more without disturbing their long-term holdings.<\/li>\n\n\n\n<li><strong>Enhanced IPO participation:<\/strong> With the IPO loan limit raised to \u20b925 lakh, more investors can bid for larger allocations using borrowed funds.<\/li>\n\n\n\n<li><strong>Broader borrowing options:<\/strong> RBI has also removed restrictions on loans against <strong>listed debt securities<\/strong> such as bonds and debentures, further expanding collateral choices.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Key Considerations and Risks<\/h3>\n\n\n\n<p>While borrowing against shares is now easier, investors should be cautious. Market volatility can trigger <strong>margin calls<\/strong>, requiring additional collateral or leading to partial liquidation. Interest costs and fees, though often lower than personal loans, can add up over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bottom Line<\/h3>\n\n\n\n<p>The RBI\u2019s latest policy shift is a significant boost for investors, giving them greater access to capital without selling their investments. With higher borrowing limits, improved IPO financing, and more collateral options, investors can now leverage their portfolios strategically \u2014 provided they manage risks wisely.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a major move to deepen credit access for investors and boost market participation, the Reserve Bank of India (RBI) has significantly relaxed lending norms against securities. Effective October 1, 2025, individuals can now borrow up to \u20b91 crore by pledging their listed shares \u2014 a fivefold increase from the earlier cap of \u20b920 lakh. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1301128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[204,460],"class_list":["post-1301117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-loans","tag-sbi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Allows Upto Rs 1 Crore Loan Against Shares - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/rbi-allows-upto-rs-1-crore-loan-against-shares\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Allows Upto Rs 1 Crore Loan Against Shares - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"In a major move to deepen credit access for investors and boost market participation, the Reserve Bank of India (RBI) has significantly relaxed lending norms against securities. 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