Loans against securities

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Product and bank⇅	Eligible collateral⇅ Filter Eligible collateral GGold-backed↗Securities / investmentsIInsurance policy Matches any selected option	Interest rate⇅	Finance available⇅ Filter Finance available ₹Up to ₹5 lakh₹₹5–₹25 lakh	Margin / LTV⇅ Filter Margin / LTV %Above 12%	Maximum tenure⇅ Filter Maximum tenure ◷Up to 1 year◷1–5 years	Processing fee⇅ Filter Processing fee ⌃Fee has a maximum cap+GST / tax additionalYAnnual / recurring fee Matches any selected option	Facility / channels⇅ Filter Facility / channels ↗Online▣Mobile appBBranch Matches any selected option
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	Not published	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.