Loans against securities

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Product and bank⇅	Eligible collateral⇅ Filter Eligible collateral GGold-backed1↗Securities / investments1IInsurance policy1 Matches any selected option	Interest rate⇅ Filter Interest rate %9–12%5	Finance available⇅ Filter Finance available ₹Up to ₹5 lakh3₹₹5–₹25 lakh1	Margin / LTV⇅ Filter Margin / LTV %Above 12%2	Maximum tenure⇅ Filter Maximum tenure ◷Up to 1 year3◷1–5 years2	Processing fee⇅ Filter Processing fee %Percentage-based fee4₹Flat rupee fee4⌃Fee has a maximum cap3+GST / tax additional3YAnnual / recurring fee1 Matches any selected option	Facility / channels⇅ Filter Facility / channels ↗Online1▣Mobile app1BBranch3 Matches any selected option
IB Loan against Sovereign Gold BondIndian Bank	Not published	9.15% to 10.00% p.a. floating for Sovereign Gold Bond loans in Indian Bank's current personal-segment rate table dated 14 August 2026. ↓	Minimum ₹25,000 no maximum loan amount is published. Eligible finance is 70% of the preceding 30-day average 24-carat gold price quoted by the India Bullion and Jewellers Association.	Not published	One year, with bullet repayment of principal and interest at the end of the term.	No numeric processing fee is stated on the reviewed product page or current personal-segment processing-fee schedule for the Sovereign Gold Bond route.	Not published
SBI Loan Against Insurance PoliciesState Bank of India	Borrower's own in-force life policy from LIC, India Post, SBI Life, HDFC Standard Life or ICICI Prudential Life, assigned to SBI MWP Act and third-party policies excluded	11.20% p.a. effective 15 August 2025, based on one-year MCLR of 8.70% plus 2.50%	Up to 85% of policy surrender value, with no published rupee ceiling	15% up to 12 months, 25% up to 24 months and 30% up to 36 months	36 months	0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable GST	Demand loan or overdraft through SBI branches only
SBI Loan Against Mutual Fund UnitsState Bank of India	Mutual-fund schemes of AMCs registered with CAMS the published digital route is limited to eligible debt and equity funds	9.95% p.a. effective 15 August 2025, based on one-year MCLR of 8.70% plus 1.25%	Minimum ₹25,000 maximum ₹20 lakh against equity, hybrid or ETF funds and ₹5 crore against debt or FMP funds digital equity maximum ₹10 lakh	50% for equity, hybrid and ETF funds 25% for debt and FMP funds	Up to 12 months the account may be renewed for another 12 months through the stated channels after payment of the applicable renewal charge.	Processing: 0.50% of loan amount, minimum ₹500 and maximum ₹5,000, plus GST annual review or renewal: ₹1,000 plus applicable tax	YONO, SBI Internet Banking, SBI website or branch joint holdings are branch-only and the online route requires matching single-name SBI and CAMS records
SBI Loan Against NSC or KVPState Bank of India	National Savings Certificates VIII Issue or Kisan Vikas Patras owned by the borrower and transferable by the issuing post office to SBI as security	11.20% p.a. effective 15 August 2025, based on one-year MCLR of 8.70% plus 2.50%	Up to 60% of certificate face value plus accrued interest, with no published rupee ceiling while the required margin is maintained	40% of certificate face value plus accrued interest	Aligned to the remaining maturity of the pledged NSC or KVP outstanding must not exceed certificate maturity value	0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable GST	Demand loan or overdraft through SBI branches only
SBI Loan Against Sovereign Gold BondsState Bank of India	Sovereign Gold Bonds held physically when issued through SBI, or in demat form through an SBI Securities demat account	10.70% p.a. effective 15 August 2025, based on one-year MCLR of 8.70% plus 2.00%	₹20,000 to ₹20 lakh per individual ↑	35% of the market value of pledged SGBs	Up to 36 months for overdraft and 12 months for demand loan	0.50% of the loan amount plus applicable tax, or ₹500 plus applicable tax, whichever is higher	Not published

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.