You can also get loan against shares owned by you. The loan amount to be disbursed is calculated as percentage of the market value of the shares. You will have to pledge your shares to the lender. The shares should be part of the lenders list of approved securities. The shares will not be transferred to the lender. They will remain in your demat account. The depository will mark lien against the shares pledged by you. Once you repay the loan, the lien will be removed from the shares.