Loan Against Securities
Loan Against Securities – Unlock the Power of Your Investments
What is a Loan Against Securities?
A Loan Against Securities is a line of credit or term loan provided against the pledge of financial instruments such as:
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Listed Shares
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Mutual Funds (Equity/Debt)
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Bonds & Debentures
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Life Insurance Policies (with surrender value)
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Exchange-Traded Funds (ETFs)
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Sovereign Gold Bonds (SGBs)
Key Features & Benefits
High Loan Value
Avail loans ranging from ₹50,000 to ₹10 Crores based on the market value of pledged securities.
No Need to Liquidate Investments
Keep your portfolio intact and still access funds when you need them.
Quick Processing &
Instant Disbursal
Get approval within hours and funds disbursed in 1–2 working days.
Flexible Repayment
Options
Choose between overdraft facility, interest-only payments, or full EMI repayment.
Attractive Interest Rates
Enjoy competitive rates starting as low as 9% p.a.*
Continued Ownership of Assets
Earn dividends, bonuses, and other benefits even while the securities are pledged.
Online Pledge & Management
Secure, paperless process with real-time loan tracking and management.
How the Process Works
Loan Evaluation & Sanction
We assess the eligible LTV and approve the loan or overdraft facility.
Disbursal to Your Bank Account
Receive funds within 24–48 hours post-approval.
Manage Repayments Flexibly
Pay only interest monthly or repay principal at your convenience (in OD mode).
Release of Securities
Securities are unpledged once full repayment is made.
Eligible Securities
We accept a wide range of marketable securities, including:
- Equity Shares (approved list from NSE/BSE)
- Debt & Hybrid Mutual Funds
- Equity Mutual Funds
- Corporate Bonds / PSU Bonds
- ULIPs & Traditional Life Insurance (with surrender value)
- Sovereign Gold Bonds
- Exchange-Traded Funds (ETFs)
Note: The loan-to-value (LTV) ratio is based on asset type and regulatory guidelines (e.g., 50% for equity shares, 70-80% for debt mutual funds).
Eligibility Criteria
- Individuals (residents & NRIs)
- HUFs
- Proprietors
- Partnership Firms
- LLPs & Private Limited Companies
- Trusts & Societies (selected cases)
- Age: 21 years and above
- Valid PAN and KYC documents
- Holdings in approved securities (in demat or folio form)
- Good credit history (preferred, not mandatory)
When Should You Use LAS?
- To meet short-term working capital needs
- To handle medical or personal emergencies
- To invest in new opportunities
- To pay for education, wedding, or travel
- To avoid liquidating investments during market volatility
Documents Required
- PAN card
- Aadhaar/Passport/Driving License
- Latest bank statement (3–6 months)
- Demat statement / Mutual fund folio details
- Income proof (optional for OD limit)
- Company PAN
- KYC of partners/directors
- Board Resolution/Partnership Deed
- Demat account details
- Bank statements
- Audited financials (if applicable)
