Loan Against Securities – Cash Without Selling Investments
Unlock liquidity by pledging your Shares, Mutual Funds, ETFs, Bonds or SGBs. Keep your portfolio invested while accessing a low-cost overdraft. Interest applies only on the amount you use.
Why Choose LAS?
- ✔ Don’t sell your investments
- ✔ Lower interest vs. unsecured loans
- ✔ Overdraft/Dropline facility
- ✔ Pay interest only on utilization
- ✔ Quick digital pledge & sanction
- ✔ Part-release & top-ups available
Eligible Securities
Listed Equity Shares (approved list)
Mutual Funds – Equity & Debt schemes
ETFs & Index Funds
Bonds / NCDs (select)
Sovereign Gold Bonds (SGBs)
(Lender-wise approved lists apply)
Indicative LTV & Limits
- Equity Shares / Equity MF Units: up to ~50% of value
- Debt MF Units / High-grade Debt: up to ~70–80% of value
- Ticket Size: ₹1,00,000 to ₹5,00,00,000+ (profile & securities permitting)
- Interest: linked to lender policy; interest charged only on utilized amount
Who Is It For?
Salaried & Professionals – short-term cash needs
Business Owners – working capital & vendor payments
Traders/Entrepreneurs – opportunity funding
HNIs/Family Offices – liquidity without exit
Eligibility & Documents
- Indian resident with valid KYC; PAN mandatory
- Demat / CAS statement & folio details (for MFs)
- Latest holding/portfolio statement
- Bank statements (last 3–6 months)
- Income proof (if required by lender)
- Signed pledge/DP forms (digital/physical as applicable)
How It Works
- Share Portfolio: Upload your Demat/CAS statements & MF folios.
- Get Sanction: We fetch lender offers with eligible LTV & pricing.
- Pledge & Draw: Complete pledge; use OD line as needed. Pay interest only on utilized amount.
Risk & Margin Calls (Know This)
- Market movements can reduce collateral value; lenders may raise margin calls.
- Non-compliance can trigger part-sell/pledge invocation as per agreement.
- Approved security lists & haircuts/LTVs change with policy and volatility.
FAQs
Do I keep earning dividends and bonuses?
Typically yes; you retain ownership while securities are pledged. Distribution & corporate action credit follow depository/lender terms in your agreement.Is this an overdraft?
Most LAS facilities are OD/dropline lines. Interest accrues daily on the amount you draw and for the days used.What’s the typical LTV?
Equity up to ~50%; Debt MFs/high-grade debt up to ~70–80%. Exact LTV depends on approved lists and market conditions.Can I prepay without charges?
Many OD LAS products have no foreclosure fees, but policy varies by lender.Unlock Liquidity. Keep Your Investments.
Access working capital or emergency funds at lower cost—without selling your portfolio.