ESOP financing

Unlock the value of your vested

shares

Access immediate funds and grow your wealth with Infina. Access the true value of your stock options with hassle-free financing.

Attractive interest rates

Leverage vested shares

Why ESOP financing

is a great option

High Loan Amounts

Get loans starting from INR 1 lakh, tailored to your needs.

Competitive Interest Rates

Benefit from attractive rates starting as low as 8.5% per annum.

Flexible Tenures

Choose repayment periods from 7 days to 60 months to align with your financial plans.

Minimal Documentation

Enjoy a hassle-free process with minimal paperwork.

Transparent Processing

No hidden charges; all fees are communicated upfront.
*T&C apply

Eligibility Criteria

for ESOP financing

Vested ESOP from publicly listed companies.

Indian residents above 18 years.

A satisfactory credit history.

Documentation, fees and charges for
ESOP Financing

Employees

Document Type

Details

KYC

Valid identity and address proof

Form 16A

Form 16A for the financial year 2021

Salary Slip

Most recent salary slip

Others

Additional documents as required by the Operations Team

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Rates & Charges

Charge  Type

Details

Penal  Charges

9%

DP  Charge (Pledge/Lien Invocation)

₹150 per  ISIN

Documentation  Charge

₹ 2,500

Delay in  Payment

9%

Cheque  Bounce Charge

₹ 500

Delay in  Pledge Creation

9%

Sale of  Share Charge

₹0.10 per  share

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ESOP fees and charges

Frequently Asked Questions

What is the maximum loan amount I can get against my ESOPs?

The loan amount can be up to 50% of the current market value of your vested ESOPs, subject to assessment.

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Are there any tax implications associated with ESOP financing?

While the loan itself is not taxable, it's advisable to consult with a tax professional regarding any potential tax obligations related to your specific situation.

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Can I prepay the loan before the end of the tenure?

Yes, Infina offers flexible prepayment options. Please refer to the loan agreement for any applicable prepayment charges.

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What happens if the market value of my ESOPs decreases during the loan tenure?

In such cases, Infina may require additional collateral or partial repayment to maintain the agreed loan-to-value ratio.

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How does ESOP financing differ from selling my ESOPs?

ESOP financing allows you to access funds without selling your shares, enabling you to retain ownership and benefit from potential future appreciation.

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