{"id":15831,"date":"2026-08-28T15:09:10","date_gmt":"2026-08-28T09:39:10","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15831"},"modified":"2026-08-27T15:21:47","modified_gmt":"2026-08-27T09:51:47","slug":"how-to-pledge-bonds-for-a-loan-against-securities-step-by-step","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/","title":{"rendered":"How to Pledge Bonds for a Loan Against Securities: Step-by-Step"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"From_government_securities_to_listed_corporate_bonds_most_demat-held_debt_instruments_can_now_be_pledged_for_quick_funding_This_article_breaks_down_how_the_pledge_works_what_LTV_you_can_expect_which_lenders_offer_this_facility_and_what_happens_if_bond_prices_fall_during_your_loan_tenure\"><\/span><strong>From government securities to listed corporate bonds, most demat-held debt instruments can now be pledged for quick funding. This article breaks down how the pledge works, what LTV you can expect, which lenders offer this facility, and what happens if bond prices fall during your loan tenure.<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>If you manage a bond portfolio and need to cover a short-term cash need for your business, medical expenses, or to maintain your long-term fixed-income goals, selling isn\u2019t your only option. You pledge your bonds to a bank or NBFC and are able to borrow money without losing ownership of the bonds or the coupon that comes with them. <\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#From_government_securities_to_listed_corporate_bonds_most_demat-held_debt_instruments_can_now_be_pledged_for_quick_funding_This_article_breaks_down_how_the_pledge_works_what_LTV_you_can_expect_which_lenders_offer_this_facility_and_what_happens_if_bond_prices_fall_during_your_loan_tenure\" >From government securities to listed corporate bonds, most demat-held debt instruments can now be pledged for quick funding. This article breaks down how the pledge works, what LTV you can expect, which lenders offer this facility, and what happens if bond prices fall during your loan tenure.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#What_Is_a_Loan_Against_Bonds_Exactly\" >What Is a Loan Against Bonds, Exactly?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Step-by-Step_How_to_Pledge_Bonds_for_a_Loan\" >Step-by-Step: How to Pledge Bonds for a Loan&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Loan-to-Value_LTV_Ratio_on_Bonds_How_Much_Can_You_Borrow\" >Loan-to-Value (LTV) Ratio on Bonds: How Much Can You Borrow?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Loan_Against_Bonds_Interest_Rates_and_Costs_Involved\" >Loan Against Bonds: Interest Rates and Costs Involved&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Who_Offers_This_and_Who_Can_Apply\" >Who Offers This and Who Can Apply<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Tax_Treatment_Does_Pledging_Trigger_Tax\" >Tax Treatment: Does Pledging Trigger Tax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Key_Risks_to_Keep_in_Mind\" >Key Risks to Keep in Mind<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Loan_Against_Security_Frequently_Asked_Questions\" >Loan Against Security Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>It&#8217;s a lesser-known cousin of the more popular loan against shares or mutual funds, but for conservative investors, it&#8217;s often the cheaper, lower-risk route. Take a look at how the pledge works, what the Reserve Bank of India permits, and what you should check before you decide to take a loan against bonds.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_Loan_Against_Bonds_Exactly\"><\/span><strong>What Is a Loan Against Bonds, Exactly?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A loan against bonds is a type of loan against securities (LAS) in which borrowers can use their demat-held bonds for loans instead of cash or other physical assets. The borrower holds <a href=\"https:\/\/goldenpi.com\/blog\/guide\/listed-vs-unlisted-bonds-in-india-key-differences-explained\/\" type=\"post\" id=\"14585\">listed bonds<\/a> in a demat account, the lender marks a lien (essentially a legal claim that restricts you from selling or transferring them until the loan is repaid) on these bonds through the depository, and the loan amount is sanctioned based on the bond&#8217;s market value and the applicable LTV ratio. <\/p>\n\n\n\n<p>You do not sell the bonds, and in most cases, you continue to receive the coupon payments for the pledged bonds into your assigned bank account during the duration of the loan.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step-by-Step_How_to_Pledge_Bonds_for_a_Loan\"><\/span><strong>Step-by-Step: How to Pledge Bonds for a Loan&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The process is largely digital today since most bonds are now issued in dematerialized form, and physical pledging has become far less common. Here&#8217;s the typical flow:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check eligibility: Confirm your bonds are on the lender&#8217;s approved list; lenders typically restrict pledging to bonds that clear their internal screening criteria, and unlisted or low-rated instruments are usually excluded.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apply with the lender: Proof of bonds (demat statement), ID, address proof, and income proof may be required for larger amounts.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pledge initiation: The lender\/pledgee and your depository participant initiate the pledge request through the applicable depository system. You may be required to authenticate or approve the request through your DP&#8217;s prescribed electronic process.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verification and valuation: The lender verifies the securities and determines their eligible collateral value using its applicable valuation methodology, LTV limits, and haircuts. The lender may also revalue the collateral periodically during the loan.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pledge confirmation: Once approved, the depository system records the pledge against your bonds, formalizing the lender&#8217;s claim on them.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Disbursal: Funds land in your account, often as a demand loan or as an overdraft facility where interest is charged only on the amount you actually use.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/\" aria-label=\"How to Pledge Bonds for a Loan Against Securities: Step-by-Step\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"How to Pledge Bonds for Loan Against Securities\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27151954\/How-to-Pledge-Bonds-for-Loan-Against-Securities.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-pledge-bonds-for-a-loan-against-securities-step-by-step\/\">How to Pledge Bonds for a Loan Against Securities: Step-by-Step<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/%e2%82%b91-crore-fd-interest-per-month-in-2026-bank-wise-returns\/\" aria-label=\"\u20b91 Crore FD Interest Per Month in 2026: Bank-Wise Returns\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"1 CRORE FD Interest Per Month in 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27145006\/1-CRORE-FD-Interest-Per-Month-in-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/%e2%82%b91-crore-fd-interest-per-month-in-2026-bank-wise-returns\/\">\u20b91 Crore FD Interest Per Month in 2026: Bank-Wise Returns<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/%e2%82%b950-lakh-fd-interest-per-month-in-2026-bank-wise-returns\/\" aria-label=\"\u20b950 Lakh FD Interest Per Month in 2026: Bank-Wise Returns\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"50 Lakh FD Interest Per Month in 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/27131540\/50-Lakh-FD-Interest-Per-Month-in-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/%e2%82%b950-lakh-fd-interest-per-month-in-2026-bank-wise-returns\/\">\u20b950 Lakh FD Interest Per Month in 2026: Bank-Wise Returns<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan-to-Value_LTV_Ratio_on_Bonds_How_Much_Can_You_Borrow\"><\/span><strong>Loan-to-Value (LTV) Ratio on Bonds: How Much Can You Borrow?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lenders never provide 100% of the bond value. They protect themselves against changes in bond prices by taking a &#8220;haircut,&#8221; which is a portion of the <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-the-bond-market-is-interconnected-with-the-gold-market\/\" type=\"post\" id=\"13942\">bond&#8217;s market value<\/a> they deduct upfront as a safety margin. It is common to loan 50-70% of a bond\u2019s market value, depending on the creditworthiness of the issuer. Higher LTVs are available on government bonds, as they are less risky than corporate bonds. The price volatility of <a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\">high-grade bonds<\/a> and debentures is less than that of equities, so LTVs can be as high as 80% for high-quality debt versus equity-backed loans.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bond Type<\/strong><\/td><td><strong>Typical LTV<\/strong><\/td><td><strong>Why<\/strong><\/td><\/tr><tr><td>Government securities \/ T-Bills \/ SGBs<\/td><td>Up to 80%<\/td><td>Sovereign backing, negligible default risk<\/td><\/tr><tr><td>AAA-rated PSU\/corporate bonds<\/td><td>60\u201370%<\/td><td>High credit quality, good liquidity<\/td><\/tr><tr><td>Lower-rated (BBB and above) listed bonds<\/td><td>50\u201360%<\/td><td>Higher credit and liquidity risk<\/td><\/tr><tr><td>Debt mutual funds (for comparison only)<\/td><td>Up to 75%<\/td><td>Separate RBI-notified ceiling, effective July 2026<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p>Under RBI&#8217;s revised Commercial Banks \u2013 Credit Facilities framework, which includes amendments effective from July 1, 2026, banks must follow board-approved policies governing collateral, including applicable margins, haircuts, and valuation requirements. The framework also specifies eligible securities for particular types of credit facilities, including certain government securities and qualifying listed debt securities.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_Against_Bonds_Interest_Rates_and_Costs_Involved\"><\/span><strong>Loan Against Bonds: Interest Rates and Costs Involved&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depending on your credit score, the classification of bonds and the bank you choose, an approximate range for annual interest on corporate bonds in India is 8%-14%. Loans backed by <a href=\"https:\/\/goldenpi.com\/collections\/government-bonds\">government bonds<\/a> attract a lower rate while loans backed by lower-rated corporate bonds attract a relatively higher rate. Along with the interest rate, one must factor in processing fees and pledge\/un-pledge fees charged by NSDL or CDSL. Certain lenders also levy a minimum holding value, often around \u20b91 lakh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Offers_This_and_Who_Can_Apply\"><\/span><strong>Who Offers This and Who Can Apply<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Among RBI-regulated banks, ICICI Bank, HDFC Bank, Axis Bank, and Kotak Mahindra Bank are notably active in this space, alongside several NBFCs. Eligible applicants generally include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Resident individuals (typically aged 21\u201370) and NRIs, with some restrictions<\/li>\n\n\n\n<li>HUFs holding bonds<\/li>\n\n\n\n<li>Corporates, LLPs, trusts, and societies, subject to lender policy<\/li>\n<\/ul>\n\n\n\n<p>Bonds must be in your name, demat-held, free of any existing lien, and on the lender&#8217;s approved list.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_Treatment_Does_Pledging_Trigger_Tax\"><\/span><strong>Tax Treatment: Does Pledging Trigger Tax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pledging is not a sale, so capital gains tax doesn&#8217;t apply. The lien is only activated when the lender sells the bonds and liquidates the collateral. Interest payments on these loans are not usually tax-deductible for personal use. That benefit applies only when the borrowed funds go toward an income-generating purpose. Listed bonds, if held for over a year prior to sale, achieve a long-term capital gain tax treatment of 10%. A choice between 10% flat and 20% with indexation is available for government securities and zero-coupon bonds, whichever works out lower.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Risks_to_Keep_in_Mind\"><\/span><strong>Key Risks to Keep in Mind<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Margin calls:<\/strong> If bond prices fall and your LTV breaches the threshold, you must top up collateral or part-repay.<\/li>\n\n\n\n<li><strong>Forced liquidation:<\/strong> Persistent default lets the lender invoke the pledge and sell your bonds; you remain liable for any gap between the sale proceeds and your outstanding dues.<a rel=\"nofollow\" href=\"https:\/\/www.finnable.com\/finn-advice\/loan-against-bonds\/\">\u00a0<\/a><\/li>\n\n\n\n<li><strong>Duration risk:<\/strong> Bonds with longer maturities tend to swing more in price than short-duration ones, making margin calls more likely during rate swings.<\/li>\n\n\n\n<li><strong>Credit-history damage:<\/strong> Foreclosure due to default can hurt your CIBIL score.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_Against_Security_Frequently_Asked_Questions\"><\/span><strong>Loan Against Security Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787823134348\"><strong class=\"schema-faq-question\">Q1. <strong>How does pledging a bond for a loan work?<\/strong><\/strong> <p class=\"schema-faq-answer\">The borrower requests a pledge through their Depository Participant (DP), specifying the securities and lender. The lender accepts the pledge through its DP, after which the pledge is created in the depository system. The loan agreement and disbursement are handled separately between the borrower and lender.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787823145334\"><strong class=\"schema-faq-question\">Q2. <strong>Can all bonds be pledged as collateral?<\/strong><\/strong> <p class=\"schema-faq-answer\">Not necessarily. Although demat securities can technically be pledged, the lender decides which securities it will accept as collateral. Eligibility can depend on the bond&#8217;s issuer, credit quality, liquidity, maturity, and market value.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787823154073\"><strong class=\"schema-faq-question\">Q3. <strong>How much loan can I get against my bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">The lender typically applies a loan-to-value (LTV) or haircut to the market value of the pledged bonds. Therefore, a bond portfolio worth \u20b910 lakh does not necessarily provide a \u20b910 lakh loan. The eligible amount depends on the lender&#8217;s policies and the securities accepted.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787823168459\"><strong class=\"schema-faq-question\">Q4. <strong>Do I continue receiving interest on pledged bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">Generally, yes. You remain the beneficial owner of pledged securities, so corporate benefits continue to accrue to you during the pledge, subject to the bond&#8217;s terms and applicable arrangements.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787823179894\"><strong class=\"schema-faq-question\">Q5. <strong>Can I sell a bond while it is pledged?<\/strong><\/strong> <p class=\"schema-faq-answer\">Generally, pledged securities cannot be freely sold or transferred while the pledge remains in place. You would typically need the pledge to be released or appropriately modified before dealing with the securities.<\/p> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: From government securities to listed corporate bonds, most demat-held debt instruments can now be pledged for quick funding. This&hellip;<\/p>\n","protected":false},"author":16,"featured_media":15833,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1026,25],"tags":[],"class_list":["post-15831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Pledge Bonds for a Loan Against Securities: Step-by-Step<\/title>\n<meta name=\"description\" content=\"Need funds without selling your bonds? 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