Loan Against Shares (Equity & ETFs)
Pledge your stocks to avail funds while continuing to earn dividends and market gains.
Apply for a Loan Against Security Today!
No need to sell your investments—secure your future with flexible repayment options. Apply now and turn your assets into cash effortlessly!
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Turn Your Investments into Instant Cash – Without Selling a Single Share!
A Loan Against Security (LAS) allows you to pledge shares, mutual funds, bonds, or other financial assets as collateral to get instant liquidity while retaining ownership of your investments.
With competitive interest rates, flexible repayment options, and quick disbursal, a Loan Against Security is a smart way to finance personal or business needs without liquidating your portfolio.
Instant Liquidity
Retain Ownership
Competitive Rates
Flexible Repayment
What Is A Loan Against Security?
A Loan Against Security (LAS) is a secured loan where you pledge your stocks, mutual funds, bonds, insurance policies, or other financial assets as collateral to avail a credit facility. Unlike a personal loan, LAS lets you retain ownership of your securities while offering lower interest rates compared to unsecured loans. Funds can be used for:
Business expansion
Home renovation
Medical emergencies
Education expenses
Debt consolidation
Other financial needs
Types of Loan Against Security
Explore the various options available to leverage your investments without liquidating them.
Loan Against Mutual Funds
Get a loan against equity, debt, or hybrid mutual funds without redeeming them.
Loan Against Fixed Maturity Plans (FMPs) & Bonds
Use corporate bonds, government bonds, or debentures as security for a loan.
Loan Against Insurance Policies
Borrow against eligible life insurance policies while maintaining policy benefits.
Loan Against Sovereign Gold Bonds (SGBs) & Government Securities
Secure a loan against government-backed financial instruments.
Factors to Consider Before Applying for a Loan Against Security
Before taking a home loan, keep these important factors in mind:
Eligibility Criteria for a Loan Against Security
To qualify for LAS, you need to meet the following requirements:
- Age: 18 to 70 years
- Nationality: Indian resident
- Employment Type: Salaried, self-employed, business owners, professionals
- Eligible Securities: Equity shares, mutual funds, bonds, insurance policies, ETFs, government securities, fixed maturity plans
- Minimum Security Value: Varies by lender, but a minimum portfolio value is required for eligibility
- Special Note: No need for income proof or high credit scores – the loan is secured against your investments!
Documents Required for a Loan Against Security
Additional documents may be required based on your employment type and lender’s policies.
Benefits of Loan Against Security
- Lower Interest Rates – Compared to personal loans and credit cards.
- Quick Disbursal – Instant liquidity within 24-48 hours.
- No Selling Required – Continue earning dividends and market returns.
- Flexible Loan Amount – Borrow up to ₹10 crore or more, depending on your portfolio value.
- Revolving Credit Facility – Withdraw as needed and pay interest only on the used amount.
- No End-Use Restrictions – Use the loan for business, education, medical needs, or personal expenses.
Tips to Get the Best Loan Against Security
Follow these simple strategies to get the loan faster.
Pledge stable assets like blue-chip stocks, high-rated bonds, or long-term mutual funds.
Avoid pledging volatile stocks that can trigger margin calls.
- Check multiple lenders to get the lowest interest rate.
Review LTV ratio, margin maintenance, and foreclosure policies.
- Borrow only what you need to avoid repayment stress.
- Don't pledge all your high-growth assets to balance risk and rewards.
How to Apply for a Loan Against Security?
Getting a home loan is simple:
Ensure you meet the lender’s criteria and have eligible securities.
Provide KYC details and security ownership proof.
Get funds transferred to your bank account within 24-48 hours.
Choose the lender offering the best interest rates and loan terms.
Authorize the lender to hold your securities as collateral.