Unlock Liquidity From Your Assets
Access instant liquidity against your shares, mutual funds, and sovereign gold bonds without liquidating your investments. Interest rates starting at 8.50% p.a. with interest-only monthly servicing.
Loan Against Securities Products
Gain immediate liquidity without liquidating your investments or losing out on market upsides, dividends, and compounding.
Mutual Funds
Pledge your existing equity and debt mutual fund folios seamlessly without halting SIP investments or liquidating units.
Shares & Listed Equity
Leverage approved Group-A shares across BSE/NSE to unlock instant credit limits while retaining dividend and voting rights.
Insurance Policies
Pledge high-surrender-value life insurance or endowment policies for guaranteed liquidity at attractive overdraft rates.
Corporate & Sovereign Bonds
Monetize investment-grade rated corporate bonds and PSU tax-free bonds for stable, low-cost capital requirements.
Exchange Traded Funds (ETFs)
Pledge liquid Nifty 50, Bank Nifty, and Sovereign Gold ETFs for immediate capital access with daily mark-to-market flexibility.
Government Securities & SGBs
Unlock collateral value against RBI Sovereign Gold Bonds (SGBs) and Treasury Bills with minimal haircut requirements.
Calculate Your Loan Amount
Estimate your credit line and compare the opportunity cost of borrowing against your portfolio versus selling your assets.
Sanction Summary
* Note: Credit limits are determined based on the approved list of scrips, regulatory haircuts, and LTV ratios defined by individual lenders. Wealth calculations assume continuous compounding and constant annual return rates.
LAS Insights & Statistics
Understand how Loan Against Securities compares to conventional credit options and assess the borrowing limits across each asset category.
Pledged Assets Facilitated
₹8,500+ Cr
Cumulative portfolio value pledged securely across partners
Starting APR Slab
8.50% p.a.
Competitive rate for liquid mutual funds and blue-chip equities
Maximum LTV Limit
Up to 85%
Maximum Loan-to-Value allowed on debt funds, SGBs, and FDs
Digital Processing
< 4 Hours
End-to-end paperless setup for immediate overdraft limits
Interest Rate Comparison Across Lending Options
Annual borrowing costs comparing secured portfolio credit against unsecured options.
Unlock Funds in 5 Simple Steps
A transparent, 100% online workflow to unlock cash against your investments in under 4 hours.
Link Portfolio
Fetch Demat holdings or mutual fund folios via secure CAMS / KFintech OTP authentication.
Digital Pledging
Authorize the pledge online with depository verification via NSDL / CDSL with zero paperwork.
Limit Sanction
Automated portfolio valuation generates an instant credit overdraft limit at approved LTV rates.
E-Sign Agreement
Complete digital KYC and digitally sign your loan sanction agreement in minutes.
Instant Disbursal
Draw funds into your linked bank account 24/7 as needed, paying interest solely on utilized amounts.
Zero physical branch visits required
Why LAS Makes Strategic Financial Sense
Borrowing against your securities provides essential liquidity while preserving your long-term wealth accumulation and tax efficiency.
Uninterrupted Portfolio Compounding
Your investments stay active in the market, continuing to earn capital appreciation, quarterly dividends, stock splits, and bonuses without disruption.
On-Demand Liquidity Access
Draw funds instantaneously against your approved credit line to meet urgent working capital or tactical financial needs without waiting for settlement cycles.
Depository-Level Security
Securities remain safely marked as collateral directly in your NSDL / CDSL demat account. You retain full beneficial ownership and voting rights.
Cost-Effective Interest Servicing
Benefit from lower interest rates starting from 8.50% p.a., with interest charged solely on the drawn quantum rather than the entire sanctioned limit.
How Borrowers Deploy LAS Facilities
A sanctioned LAS credit line offers complete spending discretion. Once active, utilize funds for any personal, professional, or commercial requirement.
Medical & Health Emergencies
Avoid liquidating long-term compounding investments during unexpected medical crises. Draw instant funds to cover hospital costs without lock-in delays.
Working Capital & Business Expansion
Inject agile working capital into your enterprise, settle supplier payments, or bridge seasonal cash flow gaps without diluting equity or taking high-cost loans.
Higher Education & Tuition
Fund overseas university tuition, living fees, or specialized certifications effortlessly while your mutual fund folios and equities continue growing uninterrupted.
Major Life Milestones & Travel
Finance home renovations, family weddings, or international travel cost-effectively at secured interest rates instead of relying on expensive unsecured credit cards.
Eligibility Criteria
Because your loan is fully secured by financial assets, eligibility criteria are streamlined with minimal income documentation and instant verification.
Applicant Profile
Resident Indian individuals, NRIs (with select lenders), HUFs, Sole Proprietorships, and Private Limited Companies holding approved securities.
Eligible Portfolio
Minimum portfolio valuation of ₹50,000 in approved mutual fund units, group-A equity shares, SGBs, or investment-grade bonds.
Valid KYC & Demat
Active Demat account with NSDL / CDSL, valid PAN card, verified digital KYC, and an active linked bank account for disbursements.
Age Qualification
Primary borrower must be at least 18 years old at the time of pledge authorization. Minimal credit score dependency due to full asset collateral.
No Income Proof Required for Pre-Approved Scrips
Holding approved Category-A equities or top mutual fund folios allows sanction without mandatory ITR or salary slip submission.
Why Pledge Instead of Sell?
Unlock the liquidity value of your investments for immediate capital needs without disrupting your long-term wealth compounding.
Avoid Capital Gains Tax
Selling profitable stocks or mutual funds triggers STCG or LTCG tax liabilities. Pledging allows you to borrow liquidity against your portfolio with zero taxable events.
Retain Dividends & Rights
Even while pledged as collateral, you retain full beneficial ownership. All corporate actions—including dividends, interest payouts, rights issues, and bonus shares—credit directly to you.
Participate in Market Rallies
Keep your portfolio intact through market cycles. Your portfolio continues to gain compounding value while you comfortably service your low-rate credit line.
Understanding Margin Calls
Because market valuations fluctuate daily, your portfolio value is monitored via Mark-to-Market (MTM). If a market downturn drops your collateral value below the lender's maintenance threshold, a Margin Call is issued.
How to Resolve a Margin Call:
- Pledge additional approved securities or mutual fund folios online.
- Partially repay outstanding principal to bring the LTV back into compliance.
Approved Securities Universe
To ensure safety and liquidity for both borrower and lender, credit lines are sanctioned exclusively against institutional-grade assets. Illiquid penny stocks and unlisted shares are excluded.
Documentation Required
Enjoy digital, zero-paperwork documentation. Simply authenticate through CAMS/KFintech or NSDL/CDSL OTP.
Identity & KYC Proof
- PAN Card (Mandatory for tax and depository linking)
- Passport / Voter ID / Driving License (Digital OVD)
- Recent passport-sized digital photograph
Address Proof
- Utility Bill (Electricity, Gas, or Water bill < 3 months)
- Valid Passport copy or Voter ID card
- Bank account statement with current residential address
Portfolio & Demat Records
- Client Master Report (CMR) / CML from NSDL / CDSL
- Latest Consolidated Account Statement (CAS from CAMS / KFintech)
- Demat statement holding approved scrips & ISIN numbers
Banking & Disbursement
- Last 3 to 6 months bank statement showing salary or business credits
- Cancelled cheque leaf with printed borrower name & IFSC
- Auto-debit / NACH mandate authorization for interest servicing
Zero Physical Documentation with Digital CAS
Authorize OTP verification directly through your registered mobile number to fetch your Demat holdings and Mutual Fund folios with zero physical paperwork.
Why Choose Our Loan Against Securities?
Preserve your hard-earned wealth and compounding momentum while gaining liquidity at lower rates with complete operational speed.
Retain Active Portfolio Growth
Maintain your position in the market. Pledged securities continue to accrue dividends, corporate rights, bonus units, and capital appreciation without interruption.
Rapid Digital Sanction
Experience digital CAMS / KFintech OTP validation and NSDL / CDSL pledging for instant limit sanction and swift bank account disbursals.
Interest-Only Monthly Servicing
Enjoy immense cash flow flexibility with monthly interest-only payments, choosing to repay or roll over the principal amount at your convenience.
High Loan-to-Value Slabs
Access competitive LTV ratios up to 50% on Group-A equity stocks, 70%–80% on debt mutual funds, and up to 85%–90% on SGBs and bonds.
Zero Prepayment Penalties
Repay part or full drawn balances whenever you have surplus cash without incurring pre-closure penalties, foreclosure charges, or lock-in fees.
Multipurpose Credit Utilization
Deploy your sanctioned overdraft funds for any personal, professional, or commercial purpose—from working capital to sudden medical emergencies.
Types of Lending Partners
We partner with India's leading scheduled commercial banks, specialized LAS FinTechs, and top NBFCs to ensure the highest LTVs and lowest interest rates.
Public Sector Banks
- Lowest starting interest rate slabs
- High LTV allowance on Government Bonds & SGBs
- Nominal processing charges & zero prepayment fees
Private Sector Banks
- 100% digital onboarding & instant e-mandate setup
- Wide approved list of NSE/BSE Group-A equities
- Flexible OD limit with real-time net-banking access
NBFC Partners
- Higher tolerance on diversified mutual fund portfolios
- Fast-track sanction in under 2 hours
- Interest-only monthly servicing with custom tenures
Specialized LAS FinTechs
- Automated CAMS & KFintech CAS fetch via OTP
- Instant portfolio valuation & live LTV monitoring
- 24/7 self-service portal for pledging and release
LAS vs. Unsecured Personal Loans
Discover why pledging your liquid financial assets provides significantly lower financing costs and superior repayment agility compared to traditional unsecured debt.
| Key Parameter | Loan Against Securities | Unsecured Personal Loan |
|---|---|---|
| Interest Rates (p.a.) | Starting at 8.50% - 10.50% (Secured) | 12.50% - 24.00%+ (Unsecured) |
| Repayment Structure | Flexible interest-only monthly servicing | Rigid fixed monthly principal + interest EMIs |
| Credit Score Dependency | Minimal; backed 100% by pledged collateral | Strict CIBIL dependency (750+ required) |
| Prepayment & Foreclosure | Zero prepayment penalty; pay anytime | Foreclosure charges up to 3% - 5% + lock-in |
| Asset Compounding | Portfolio stays invested & earns dividends | No collateral, but higher interest drain |
| Sanction & Disbursal Time | Sub-4 hours digital pledge setup | 2 to 5 business days with physical verification |
Disclaimer: Loan Against Securities (LAS) is subject to approved list of scrips/mutual funds, loan-to-value (LTV) limits mandated by RBI/SEBI, and periodic market mark-to-market (MTM) margin requirements.
Frequently Asked Questions
Everything you need to know about collateral eligibility, margin calls, interest servicing, and unpledging workflows.