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 /unlisted 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

ESOP Calculator

Calculate your ESOP Benefits

Frequently Asked Questions

What is ESOP financing?

ESOP financing allows employees and founders with vested stock options to access immediate funds without waiting for a liquidity event. Infina provides a loan against your vested ESOPs so you can unlock their value today.

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Who is eligible for ESOP financing?

You are eligible if you hold vested ESOPs from a publicly listed or unlisted company, are an Indian resident above 18 years of age, and have a satisfactory credit history.

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How much can I borrow through ESOP financing?

Loans start from INR 1 lakh 5 lacs and are tailored to your individual needs based on the value of your vested shares.

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What are the interest rates for ESOP financing?

Infina offers competitive interest rates starting from 8.5% - 8.25%per annum. All fees and charges are communicated upfront with no hidden costs

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What is the repayment tenure for ESOP financing?

You can choose a repayment period ranging from 7 days to 36 months with yearly interest payment frequency giving you the flexibility to align repayment with your financial plans

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What documents are required to apply for ESOP financing?

You will need valid KYC documents (identity and address proof), Form 16 – Part A & B for the relevant financial year & your most recent salary slip, and any additional documents requested by the IFPL

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Are there any charges involved in ESOP financing?

Yes, applicable charges include rate of interest as per tenure, documentation charge of ₹2,500, a DP charge of ₹150 - ₹50 per ISIN for pledge or lien invocation, a cheque bounce charge of ₹500, and a sale of share charge of ₹0.10 per share. Penal and delay charges are applicable – as per the sanctioned terms at 9%.

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