Loan Against Securities

Unlock the Value of Your Investments Without Selling Them

Need funds without liquidating your investments? A Loan Against Securities (LAS) allows you to borrow against your existing financial assets while retaining ownership of your portfolio. It’s a smart and convenient financing solution that provides quick access to funds for both personal and business needs.

Whether you need capital for business expansion, working capital, education, medical emergencies, home renovation, or other financial requirements, a Loan Against Securities offers flexibility with competitive interest rates.

Start Your Plan Our Services
  • Quick Access to Funds with minimal documentation.
  • Continue Owning Your Investments while meeting your financial needs.
  • Competitive Interest Rates compared to unsecured loans.
  • Flexible Repayment Options based on your financial requirements.
  • No Need to Sell Investments, allowing your portfolio to benefit from potential market appreciation.
  • Overdraft Facility available with selected lenders, where interest is charged only on the amount utilized.
  • Suitable for Personal & Business Requirements.
Start Your Plan Our Services

Eligible Securities

Loans may be available against:

Equity Shares

Mutual Funds

Bonds & Debentures

Exchange Traded Funds (ETFs)

Government Securities

Insurance Policies (subject to lender approval)

Other approved financial instruments

**Eligibility depends on the lender’s approved list of securities.

Who Should Consider?

Loan Features

Loan amount based on the value of pledged securities

Attractive interest rates

Fast approval and disbursement

Simple documentation process

Flexible tenure options

Online pledge and account management (where available)

Overdraft and term loan options

Documents Required

What Document We Need From You

Typically, the following documents are required

  • PAN Card
  • Aadhaar Card or other valid identity proof
  • Identity Proof
  • Income documents (if required)
  • Demat Account Details
  • Bank Statement
  • Security Holding Statement
  • Security Holding Statement

**Additional documents may be required depending on the lender’s policy.

Checkout Our Product Offerings
Plan with us Call Our Expert

Frequently Asked Questions

Plain answers to the things we hear across the desk every week — the beliefs that quietly cost families money, and the practical questions about how we work.

Yes. Since you continue to own the pledged securities, you may continue to receive eligible dividends, interest, or other benefits, subject to the terms of the lender and the nature of the security.

The loan amount depends on the type, value, and eligibility of the pledged securities and the lender’s Loan-to-Value (LTV) policy

Yes. Most lenders allow prepayment, though terms and charges, if any, vary by lender.

No. A Loan Against Securities enables you to raise funds while retaining ownership of your investments.

Plan with us Call Our Expert