Loan Against Securities

Unlock the power of your investments.

Life's twists and turns are hardly predictable. And, often they make us sacrifice our future goals to meet the needs of our present. Loan Against Securities (LAS) offers you a wonderful opportunity to take care of your financial needs without liquidating your investments. It gives you the freedom to enjoy the double benefit of getting quick liquidity on your securities, while you continue to earn returns on them.

All you need to do is to pledge your Shares, Mutual funds or Securities as collateral and you can get a loan against securities ranging from Rs.5 lacs to Rs.10 crores (7.5 crores against Shares/Mutual Funds and 10 crores against Bonds/Debt Instruments). With the added advantage of quick processing and attractive interest rates, you can be sure that your today and tomorrow are secure.

Advantage of Loan Against Securities

  • Loan Amount:
    Loan Against Securities is offered on approved Scripts and Mutual Funds to the extent of up to 50% of the market value and Mutual Funds to the extent of up to 70% of the Net Asset Value (NAV).
  • Low Interest:
    The interest in loan against securities is charged only on the amount utilized and not the entire loan.
  • Repayment:
    Only the interest needs to be repaid monthly via ECS or PDCs. The principal needs to be repaid at the end of the term.
  • Overdraft:
    Loan against security amount is also available as an overdraft facility.
  • Additional Finance:
    You have the option to avail additional finance on your loan against securities by pledging more shares, mutual fund units or securities.
  • Security Swap:
    You have the flexibility to swap securities as per your outlook on the stock market while enjoying the benefits of dividends, bonus and rights issues.