Easy application process

Apply for Loan Against Securities

Why liquidate your investments when they can help you borrow? Pledge your shares or mutual funds and access funds instantly , while your portfolio stays invested.

Eligible Securities for Loan Against Securities

We offer loans against a wide range of approved financial securities with quick processing.

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Mutual Funds

Equity, debt, and hybrid mutual funds
Approved fund houses only
High loan-to-value ratio
Quick disbursal with minimal documentation

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Listed equity shares on recognized exchanges
Loan against pledged shares
Flexible repayment options
Ideal for short-term liquidity needs

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Bonds & Debentures

Government and corporate bonds
Debentures from approved issuers
Stable and secure investment-backed loans
Competitive interest rates

Features and Benefits

Lower interest than personal loans

No need to liquidate investments

Interest charged only on amount used

Fast approval and flexible usage

Loan-to-Value (LTV) Details

Understand the maximum loan amount you can avail based on the type of securities pledged.

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Mutual Funds

Avail up to 50–70% of the market value depending on the fund type (Equity, Debt, or Hybrid).

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Listed Shares

Get a loan up to 50% of the current market value of approved equity shares.

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Bonds & Debentures

Loan availability up to 70–80% of the value for high-rated bonds and debentures.

*LTV ratios may vary based on market conditions, volatility, and lender policies. Terms & Conditions apply.

Frequently Asked Questions

What is a Loan Against Securities (LAS)?

A Loan Against Securities (LAS) allows you to borrow funds by pledging your financial investments such as mutual funds, shares, bonds, or debentures as collateral, without selling them.

Which securities are accepted under LAS?

Most lenders accept mutual funds, listed shares, bonds, ETFs, and select government or corporate securities, subject to eligibility and lender policies.

How much loan amount can I get under LAS?

The loan amount depends on the market value of your securities and the applicable Loan-to-Value (LTV) ratio, which typically ranges between 50% and 70%.

Do I continue to earn returns on my pledged securities?

Yes. Even after pledging your securities, you continue to receive dividends, interest, or other benefits, as applicable, during the loan tenure.

What is the interest rate on Loan Against Securities?

Interest rates for LAS are generally lower than unsecured loans and are usually market-linked, depending on the type of security and lender terms.

How quickly can a Loan Against Securities be disbursed?

LAS offers faster processing compared to traditional loans. In many cases, approval and disbursal can be completed within a few working days.

Are there any foreclosure or prepayment charges?

Most lenders allow partial or full prepayment without foreclosure charges, but this may vary based on the lender’s policy and loan agreement.