Share Pledge

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Quick Definition

Share Pledge is the practice where shareholders use their shares as collateral to borrow money from lenders.

Detailed Explanation

In a Share Pledge, investors or promoters pledge their shares to banks or financial institutions to secure loans. The ownership remains with the shareholder, but the lender has rights over the shares until the loan is repaid.

Such practices are monitored under regulations by the Securities and Exchange Board of India.

How Share Pledge Works

  1. Shareholder pledges shares to lender
  2. Receives loan based on share value
  3. If loan is repaid → shares released
  4. If default occurs → lender can sell shares

Why Share Pledge Matters

  • Helps raise funds without selling shares
  • Common among company promoters
  • Impacts investor confidence

Risks of Share Pledge

[Image showing margin call and forced liquidation process in share pledging]
  • Forced selling if share price falls
  • Negative market sentiment
  • High pledged shares may signal financial stress

Investor Insight

👉 High promoter pledge is often seen as a risk indicator

Example

"A promoter pledges 50% of their shares to get a loan. If the share price drops, the lender may sell those shares."

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