Unlock the Value of Your Investments Without Liquidating
Loan Against Securities (LAS) allows you to leverage your existing investments such as mutual funds, shares, bonds to access funds without selling your assets. Whether it’s for a short-term liquidity need, business requirement, or personal commitment, LAS helps you raise capital quickly while keeping your investments intact and compounding.
What Is LAS?
Loan Against Securities is a secured overdraft facility, where you pledge your financial assets to a lender in exchange for a sanctioned credit limit. You continue to retain ownership of the pledged securities, which stay invested and can potentially grow, while the loan gives you instant liquidity.
Let’s say you own mutual funds or listed shares worth ₹10 lakhs. Instead of redeeming them, you can pledge them and get a loan—typically up to 50–90% of the portfolio value—depending on the type of asset. You can use this amount as needed, and pay interest only on what you use.
There are no EMIs. You repay the loan when convenient within the tenure, or renew it based on updated portfolio value and terms.
Who Can Avail a Loan Against Securities?
Anyone who holds eligible financial assets such as mutual funds, listed shares, or bonds can avail a Loan Against Securities (LAS). Whether you are an individual or an organisation, if you have securities to pledge, LAS provides an efficient way to unlock liquidity without exiting your investments.
This facility is ideal for:
Salaried professionals looking for short-term funds without disturbing long-term plans
Self-employed individuals who need working capital or cash flow flexibility
Business owners and entrepreneurs managing operations, purchases, or vendor payments
High Net-Worth Individuals (HNIs) seeking quick access to capital while keeping portfolios intact
Corporates and trusts holding dematerialised securities for treasury or project-based needs
Whether it’s for business expansion, large personal expenses, or time-sensitive opportunities LAS offers liquidity without compromise.
Loan Terms & Repayment
The loan is structured as an overdraft facility, which means you’re given a credit limit (not a lump sum disbursal). You use only what you need, and pay interest only on the used amount.
Loan Size: Minimum ₹1 lakh; maximum depends on asset value and type
Tenure: Usually 3 to 12 months, with the option to renew
Interest Rate: Varies by lender, asset class, and utilisation. Generally lower than unsecured personal loans
Repayment: Flexible—withdraw and repay any time within the tenure
There are no prepayment penalties. If market conditions cause your asset value to drop, the lender may ask you to add more collateral or repay a portion of the loan.
Why Choose LAS Instead of Liquidating Your Investments?
Selling your investments to raise funds might seem like the simplest option but it often comes with long-term costs. Loan Against Securities (LAS) offers a more strategic alternative, giving you access to liquidity while keeping your financial goals intact.
Here’s why many investors prefer LAS over liquidation:
Preserve Market Gains: Selling investments during a market dip can lock in losses. With LAS, your portfolio stays intact, giving it the opportunity to recover and grow.
Stay Invested in Long-Term Goals: Whether you’re saving for a home, retirement, or your child’s future. LAS allows you to tap funds without disrupting the strategy you’ve already built.
Avoid Capital Gains Tax: Redeeming mutual funds or shares can trigger tax liabilities. LAS allows you to borrow against them without a taxable event, helping you retain more of your wealth.
Quick and Convenient: Once your account is set up, LAS is faster than traditional loans. With updated KYC and eligible securities, the credit limit is processed quickly sometimes within 24–48 hours.
Flexible Use of Funds: There are no restrictions on how you use the loan. You can fund business opportunities, meet personal commitments, or handle emergencies on your own terms.
Simply put, LAS bridges the gap between needing liquidity today and staying invested for tomorrow. It’s a solution designed for those who want to stay financially agile without compromising long-term growth.
How We Support You
Securing a Loan Against Securities isn’t just about pledging assets—it’s about doing it the right way, with the right partner. We work closely with you to identify eligible securities, assess your loan potential, and structure the most suitable LAS facility through trusted financial institutions.
From documentation and approval to disbursal, our support is end-to-end. You receive personalised advisory at every step—ensuring complete clarity, smooth execution, and no guesswork.
Thanks to our strong network of banks and NBFCs, we can offer access to competitive interest rates, flexible overdraft limits, and timely approvals—matched precisely to your liquidity needs and financial profile.
Unlock the Power of Your Portfolio
Your investments have value beyond returns. Let’s turn that value into working capital without disrupting your financial goals.
Start your LAS journey today with expert guidance and trusted partners.
