Did you know?
You can get a personal loan by pledging your shares, mutual funds, insurance policies, or bonds — without selling them!
A Loan Against Securities (LAS) is a smart way to raise quick funds while your investments continue to earn returns. It’s like borrowing money while still owning your assets.
🚀 Quick Facts:
- 📈 You can get up to ₹1 crore or more, depending on your portfolio.
- ⏱️ Funds can be disbursed in 24-48 hours.
- 🔁 Your investments continue to grow during the loan period.
- 💸 Pay interest only on the amount used, not the full limit.
- 🧾 Minimal paperwork and fully digital processing with many lenders.
🧐 Why Take a Loan Against Securities?
People often liquidate investments during emergencies. But selling assets can lead to capital loss, exit load, or missed market growth.
With LAS, you avoid this!
✔️ Get funds without breaking your investments
✔️ Lower interest rate than personal loans
✔️ Flexible overdraft/EMI options
✔️ No pre-closure charges with most lenders
🕰️ When Should You Consider LAS?
🔹 When you need urgent funds but don’t want to liquidate long-term investments.
🔹 When market conditions are favorable and you expect further returns on your portfolio.
🔹 When you need short-term liquidity – for wedding, education, business needs, or medical emergency.
🔹 When you want lower interest loans backed by your financial strength.
👤 Who Can Apply for LAS?
LAS is ideal for:
👨💼 Salaried Individuals
👩💼 Self-Employed Professionals
🏢 Business Owners
🧓 Retired Investors with portfolios
💼 Corporates (for working capital needs)
Basic Eligibility:
- Indian Resident
- Minimum age 21 years
- Holding listed securities like:
- Shares
- Mutual Funds (Demat/Non-Demat)
- Insurance policies (LIC)
- Bonds, Debentures, ETFs
📌 How Does the Process Work?
Applying for a Loan Against Securities is easy:
Step-by-Step Process:
- 📲 Choose your lender (bank, NBFC or online LAS provider)
- 🧾 Submit KYC & income documents
- 📈 Pledge your securities
- Through demat or physical format
- Lender sets up a lien on the assets
- ✅ Loan approved & limit assigned
- Overdraft or term loan format
- 💰 Withdraw as needed
- Interest only on used amount
📢 Pro Tip:
Always check the Loan-to-Value (LTV) ratio — lenders usually offer:
- 50%–70% for shares
- 60%–80% for mutual funds or insurance
Make sure you understand the margin call policy if the market value drops.
🎯 Conclusion
A Loan Against Securities is an efficient, low-cost, and intelligent financing tool — especially when you don’t want to disturb your investment portfolio.
Instead of breaking your savings, unlock their value today.
👉 Need help in applying for LAS? Contact your financial advisor or preferred bank/NBFC today!
- 💹 Need Funds Without Selling Your Investments? Get a Loan Against Securities Today!
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