Explore smart ways to use your investments without selling them. Learn how options like loans against shares or securities can unlock funds while wealth grows.
Anjali Singh
Assistant Manager
Investments take years to build, but a sudden financial requirement can make it tempting to liquidate them. What if there were a way for you to use that wealth without selling it? If you are in urgent need of funds but want to retain your investment portfolio, there’s a smarter route. It is a loan against investments, a loan against shares, and a loan against securities.
Let’s explore how this works and why it’s one of the most efficient financial tools available today.
A loan against investments allows you to borrow money by pledging your financial assets. It can include shares, mutual funds, insurance policies or government bonds. These assets are used as collateral, and you remain the owner throughout the loan period.
Since it is a secured loan, the interest rate is usually lower compared to unsecured loans. This makes it a financially smart option.
Sometimes the easy way out can come with hidden costs. You could sell during a market downturn and suffer losses. There might be taxes on gains that reduce your overall return. Most importantly, you lose the power of compounding and potential future growth.
With a loan against securities, none of these problems arise. Your investments continue to generate returns and once you repay the loan, they are unpledged without any loss of ownership.
Here’s a quick look at the financial assets you can use for a loan against investments:
One of the main benefits of a loan against shares is its cost-effectiveness and convenience. Since your own portfolio secures these loans, you’re likely to get favourable interest rates. Here’s why a loan against shares or other investments is a financially sound move:
You’re not selling your investment. This means you still benefit from dividends or appreciation, depending on the terms.
Since you're offering a physical asset as security, the lender feels more confident about giving you the loan. That often leads to interest rates that are better than personal loans.
The process is mostly online and quick. In some cases, the loan is disbursed on the same day.
Your borrowings depend on the value of your portfolio. The final amount will always depend on the policies of the lender.
The entire process is online, so you don’t have to deal with paperwork. It’s quick, easy, and saves you time.
Taking a loan against securities has its benefits. But, it’s also important to stay aware of a few key points:
The process is straightforward. Here’s how to do it with My Mudra:
A loan against investments is suitable for a range of scenarios:
Rather than selling your investments and affecting your long-term goals, you can simply borrow against them. It’s a more affordable option, and you can repay the loan over time at your own pace.
At My Mudra, we understand that your investments are more than just numbers. They’re a reflection of your financial discipline and dreams. We offer:
With over ₹10,000 Cr disbursed and thousands of satisfied clients, we ensure that your experience is smooth and your assets remain secure.
Selling your investments doesn’t have to be your first step. Whether it’s a loan against investments, a loan against shares, or a loan against securities, you can meet urgent financial needs without disrupting your long-term growth.
With My Mudra, you gain access to low-interest and quick-disbursal loans. They are backed by the value that you have already created. Stay invested, stay in control, and let your portfolio work for you even in times of need.
Also Read:
- Is Taking a Loan Against Shares Really Worth It?
- How to Take Loan Against Mutual Fund Online?
Assistant Manager
Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.
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