Congrats on your loan!

Lenders, both banks as well as non-banking finance companies (NBFCs), valuate your portfolio of stocks, shares and other securities on a daily basis.

If the market falls and if that results in a shortfall in your account, then you will be notified via an e-mail and a phone call to fulfil the shortfall, either by repaying the principal amount or by pledging more stocks. Do note that you cannot pledge any stock you hold, instead you need to pledge the stocks that are approved by your lender.