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Loan Against Bonds

​Bonds are widely used by investors to generate predictable income and diversify investment portfolios. Instead of liquidating eligible bond holdings to meet temporary funding requirements, investors may obtain liquidity by pledging approved bonds as collateral, subject to lender approval.

Terkar Capital's LAS Division assists clients in evaluating eligible bond portfolios and arranging structured funding solutions through its network of lending institutions.

 *Built for structured lending, not retail lending.

Why Consider Loan Against Bonds?

Eligible bonds can provide an efficient source of liquidity while allowing investors to continue earning coupon income and maintain long-term investment positions.

Depending on the security type and lender's policies, financing may be structured as a loan or overdraft facility against approved bond holdings.

Typical Loan-to-Value (LTV)

Bond Type

Sovereign Gold Bonds

Eligible Corporate Bonds

Typical LTV*

Up to 80%

50–80%

*Actual LTV depends upon bond quality, liquidity, credit profile and lender policies.

Trusted Loan Against Securities Solutions

At Terkar Capital, we help individuals, professionals, and businesses unlock liquidity through secure and customized lending solutions backed by a smooth, hassle-free process.

Bond Categories We Work With

Sovereign Gold Bonds (SGB)

Issued by the Government of India, Sovereign Gold Bonds are widely recognised investment instruments backed by sovereign credit. Eligible SGB holdings may provide attractive collateral value due to their government-backed nature.

Explore → Loan Against Sovereign Gold Bonds

Corporate Bonds

Funding may also be available against selected listed corporate bonds meeting institutional underwriting criteria.

Evaluation generally depends on:

  • Credit Rating

  • Issuer Profile

  • Liquidity

  • Remaining Maturity

  • Market Acceptance

Explore → Loan Against Corporate Bonds

How Bond Eligibility is Evaluated

Lenders generally assess multiple parameters before accepting bonds as collateral, including:

  • Credit Rating

  • Issuer Strength

  • Market Liquidity

  • Remaining Tenure

  • Trading Activity

  • Coupon Structure

  • Institutional Acceptance

  • Internal Lending Policies

Terkar Capital assists clients in reviewing bond portfolios and identifying suitable financing structures based on these parameters.

Unlock the Value of Your Equity Portfolio

Need funds without selling your shares? Get a Loan Against Equity Shares with quick processing, competitive interest rates, and flexible repayment options while your investments remain intact.

Common Use Cases

  • Working Capital

  • Business Expansion

  • Bridge Finance

  • Treasury Liquidity

  • Capital Deployment

  • Tax Planning

  • Temporary Cash Flow Management

Documents Generally Required

  • PAN Card

  • Aadhaar Card

  • Consolidated Account Statement (CAS)

  • Latest Portfolio Statement

  • Bank Statement

  • KYC Documents

  • Income Proof (where applicable)

Related Pages

Why Terkar Capital's LAS Division?

Terkar Capital is an investment banking and debt consultancy firm that assists clients in evaluating portfolio eligibility, identifying suitable lending institutions, structuring financing solutions and managing the complete execution process. Rather than acting as a lender, we work alongside clients to help structure efficient liquidity solutions aligned with their financial objectives.

Unlock the Value of Your Equity Portfolio

Need funds without selling your shares? Get a Loan Against Equity Shares with quick processing, competitive interest rates, and flexible repayment options while your investments remain intact.

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