Apply for Instant Loan Against Securities at Competitive Interest Rates
Turn your idle investments into active financial power with our Loan Against Securities (LAS). No need to sell your valuable holdings.
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Quick disbursals
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Attractive Interest Rates
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Flexible Repayment Options
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Loan Against Securities EMI Calculator
What is a Loan Against Securities?
A Loan Against Securities is a secured loan where you pledge your financial assets as collateral to receive funds. The assets can include
- Shares
- Mutual funds
- Bonds
- Insurance policies
This facility enables you to access liquidity without having to sell your investments. It is a way to monetise your portfolio while continuing to benefit from market gains. This form of securities loan is ideal for people who need short-term liquidity. It is for those who do not want to disrupt their long-term financial plans.
Key Features of Loan Against Securities
Instant Loan Approval:
Get an instant loan against securities through a fully digital process.
Attractive Interest Rates:
Enjoy competitive loan against securities interest rates, often lower than unsecured loans or credit cards.
No Prepayment Charges:
Repay the loan anytime without penalty.
Flexible Tenure:
Choose repayment periods that suit your financial goals.
Retain Ownership:
Continue to earn dividends and capital appreciation while your securities are pledged.
Wide Range of Acceptable Securities:
It can include a loan against shares, a loan against mutual funds, bonds, insurance policies, and ETFs.
Overdraft Facility:
Withdraw only the amount you need and pay interest only on what you use.
Eligibility Criteria for Loan Against Securities
To avail of a loan against securities in India, you must meet the following criteria:
- Age: Between 18 and 70 years.
- Nationality: Must be an Indian citizen.
- Employment: Available to both salaried and self-employed individuals.
- Business Applicants: Entities involved in trading, services, or manufacturing are also eligible.
- Credit Score: A good credit history with no prior loan defaults.
- Securities Ownership: Must have approved securities in your name or business name.
Documents Required for Loan Against Securities
Here’s what you’ll need to apply:
- Filled Loan Application Form
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KYC Documents:
- Identity Proof: PAN, Aadhaar, Passport, Voter ID
- Address Proof: Utility bills, Aadhaar, Voter ID, or Passport
- Business Proof (if applicable) Incorporation certificate or trade license
- Securities Details: Demat account statement or mutual fund holdings
- Pledge Request Form: Authorisation to pledge shares or funds
- Other Documents: As per the lender’s requirements
How to Apply for a Loan Against Securities
Know More About Loan Against Securities EMI Calculator Online
Want to know your monthly EMIs in advance? Use our Loan Against Securities EMI Calculator to estimate your repayment schedule. Simply input:
- Loan Amount
- Interest Rate
- Tenure
Get instant results to plan your finances smartly and avoid surprises.
Why Choose Us for Your Loan Against Securities?
Here’s why hundreds trust us for loan against securities:
- Fast Processing: Get disbursal within 24–48 hours
- Transparent Terms: No hidden charges or complicated jargon
- Tailored Solutions: Loans suited to your income and investment profile
- Robust Support: Dedicated loan officers for guidance
- Digital Convenience: Get disbursal within 24–48 hours
Whether you’re looking for a loan against mutual funds or shares, we ensure a smooth, safe borrowing experience.
Top Loan Against Securities in India
Looking for the best options to avail of a loan against securities in India? Here's a comparison of leading providers that offer attractive rates, flexible terms, and seamless processing:
| Provider | Loan Type | Key Features |
|---|---|---|
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Zerodha loan against securities |
LAS via Zerodha Capital | Completely online process, instant approval, minimal documentation |
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HDFC loan against securities |
Shares, Mutual Funds, Bonds | Trusted banking service, overdraft facility, competitive rates |
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Tata Capital loan against securities |
LAS for shares and mutual funds | Flexible repayment options, quick disbursal |
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ICICI loan against securities |
LAS with an overdraft option | High-value loans, a wide range of accepted securities |
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Loan Against Securities Axis Bank |
LAS with digital pledge facility | Easy online application, transparent charges |
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SBI loan against securities |
LAS via Demat account | Public sector trust, low interest rates, and simplified process |
These institutions offer customised solutions based on the type of securities you pledge, including shares, mutual funds, and bonds. Compare and choose the one that best aligns with your needs and financial profile.
Real Customer Success Stories
Swati, Delhi
Verified CustomerI urgently needed funds to cover a medical emergency. Thanks to the quick LAS process, I pledged my mutual funds and received funds within hours—without selling a single unit!
Mayank, Rajasthan
Verified CustomerAs a small business owner, LAS helped me manage working capital without liquidating my stock investments. The service was fast, and the interest rate was much better than my credit line.
Abhay, Lucknow
Verified CustomerI used the EMI calculator, applied online, and got my loan approved the same day. Highly recommend this to anyone who needs quick liquidity.
Get Started Today – Apply for a Loan Against Securities
Turn your investments into instant financial support.
Don’t sell your shares or mutual funds—pledge and borrow instead. Apply online in minutes and get access to a high-value loan at attractive rates. Whether it’s for business needs, medical emergencies, or investment opportunities, we make your securities work harder for you.
FAQs About Loan Against Securities
What is a loan against securities?
It is a loan provided by banks or NBFCs against financial assets like shares, mutual funds, and bonds. The borrower pledges these securities as collateral, receives a loan, and continues to benefit from market gains.
Can I get a loan secured against my house?
That would be a Loan Against Property (LAP), not LAS. LAS is strictly against financial instruments like stocks or mutual funds. For property-related financing, you’d need a different product.
How to get a loan against securities?
You can apply online or at your lender’s branch. Submit KYC and income documents, pledge your securities, and once approved, receive funds within 24–48 hours. Most modern lenders offer digital pledging for faster approval.
What types of investments can be used to get a loan against securities?
A wide range of investments can be pledged to get a loan against securities. These include a loan against shares, a loan against mutual funds, as well as bonds, ETFs, and even certain insurance policies. The exact list of acceptable securities may vary by lender, but most banks and NBFCs accept dematerialised assets that are easy to value and trade.
Why should I consider getting a loan against securities through My Mudra?
The loan against securities through My Mudra offers is a convenient and flexible way to access funds without selling your investments. Here are the key benefits:
- Digital Pledge Facility – Easily pledge shares or mutual funds online without visiting a branch
- Easy Online Application – Apply quickly through a user-friendly digital platform
- Transparent Charges – No hidden fees; everything is clearly outlined
- Fast Processing – Get approvals and disbursals with minimal wait time
- Guiding through Documentation
- Quick Approvals and Disbursals