Ans. A Loan Against Securities (LAS) allows you to borrow funds by pledging your shares, mutual funds, ETFs, or bonds without selling them. You receive a credit limit based on your portfolio value and pay interest only on the amount you use.
Loan Against Securities (LAS)
Loan Against Securities (LAS)Raise funds without selling your assets by pledging shares, mutual funds, bonds, ETFs.
A Loan Against Securities (LAS) allows you to borrow funds by pledging your existing investment portfolio such as shares, mutual funds, ETFs, or bonds without liquidating them. Instead of selling your portfolio, you use it as collateral and gain instant access to cash.
This helps you meet personal or business requirements while your investments continue to earn potential returns, dividends, and market growth. LAS works like a flexible overdraft: a limit is assigned based on your portfolio's value, and you pay interest only on the amount you use.
It's a smart way to manage short-term needs, seize opportunities, or handle cash flow-while staying invested for the long run.
Hallmarks & Key Features of LAS
Ownership MaintainedYour securities are not sold; they simply stay pledged while you continue to hold and grow your financial portfolio.
Instant LiquidityImmediate access to funds for emergencies, investments, or business requirements-without disturbing your asset allocation.
Smart Credit FacilityPay interest only on the amount utilised, ideal for managing cash flow without disrupting your portfolio management.
Flexible Loan AmountsBorrow 50-70% of your investment portfolio value, depending on the type of security.
Economical Interest RatesLower than personal loan rates, as the loan is backed by your stock portfolio, mutual funds, or bonds.
Fast & Secure Digital ProcessingQuick approval, minimal paperwork, and seamless digital pledge through NSDL/CDSL.
How to Apply for Loan Against Securities
- Step-1Choose the securities from your investment portfolio to pledge
- Step-2Complete the online application form
- Step-3Verify KYC with PAN or Aadhaar
- Step-4Approve the digital pledge via NSDL/CDSL
- Step-5Funds are released instantly to your bank account
Who is Eligible for LAS?
ResidencyMust be an Indian resident or citizen.
Demat AccountMust have an active Demat account with NSDL or CDSL.
Contact InformationRequires a registered mobile number and email ID.
Identity ProofRequires valid identity proof such as PAN or Aadhaar.
Age LimitApplicant must be between 18 and 75 years old.
Bank AccountMust have a valid bank account with net banking access.
LAS Charges & Details
Loan Against Securities includes standard processing, management, and maintenance charges, which vary by lender and structure.
Processing Fees
One-time charge for documentation, verification, and loan setup.
Interest Rate / Interest Slabs
Interest is applied on the loan amount, based on the security type and profile.
DP (Depository Participant) Charges
Fees for pledging and unpledging securities in your demat account.
Valuation & Monitoring Fees
Periodic assessment of pledged securities and margin monitoring.
Stamp Duty & Statutory Charges
Mandatory charges are governed by state regulations and applicable laws.
Other Applicable Charges (If Any)
Additional fees such as documentation, late payment, or margin penalties.
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Why LAS is Ideal
for Your Investment Portfolio
Your investments
keep growingEven when pledged, your shares continue to earn dividends, returns, and NAV appreciation.
No need to
sell your portfolioYou get liquidity without disturbing asset allocation, diversification, or long-term investment plan.
Short-term needs,
long-term goals protectedUse funds for immediate requirements while keeping your long-term compounding intact.
Fits the needs
of modern investorsIdeal for individuals with active equity portfolios, mutual fund holdings, or long-term investments.
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Need Funds Quickly? Use Your Investments.
Flexible overdraft. Quick processing. No portfolio liquidation.
Insights, updates, and perspectives on markets, planning, and risk
Explore blogsDisclaimer
Loan against securities are subject to market risks; please read all related documents, terms, and conditions carefully before pledging shares.
FAQs About Corporate FDs
Q.1 What is a Loan Against Securities (LAS) and how does it work?
Q.2 Which securities are eligible for a Loan Against Securities?
Ans. Eligible LAS collateral includes listed shares, equity mutual funds, debt mutual funds, ETFs, government securities, and corporate bonds. Partly paid-up shares, physical shares, and lock-in securities cannot be pledged.
Q.3 How much loan amount can I get against my shares or mutual funds?
Ans. Most lenders offer 50-70% of the value of your investment portfolio, depending on security type, market volatility, and approved lists.
Q.4 What are the interest rates for Loan Against Securities?
Ans. Interest rates for LAS are lower than personal loans because the loan is secured by your portfolio. Rates depend on the type of security (shares, MFs, or bonds), loan amount, and borrower profile.
Q.5 Do I continue earning returns on my pledged securities?
Ans. Yes. Your pledged shares or mutual funds continue to earn dividends, interest, and market appreciation. You remain the beneficial owner while the securities are pledged.
Q.6 How fast can funds be disbursed through LAS?
Ans. Loan Against Securities is processed digitally. Once your KYC and NSDL/CDSL pledge are approved, funds are released instantly to your bank account.
Q.7 Is LAS better than taking a personal loan?
Ans. Yes. LAS typically offers lower interest rates, flexible withdrawal, and interest charged only on used amounts, while allowing you to stay invested. It is cheaper and more efficient than a personal loan for short-term liquidity.
Q.8 What are the common charges involved in LAS?
Ans. LAS charges include processing fees, DP charges for pledging/unpledging, interest charges, valuation and monitoring fees, and statutory charges. Actual fees vary by lender and security type.
Q.9 What happens if the value of my pledged securities falls?
Ans. If your portfolio value drops, the lender may issue a margin call, requiring you to add more securities or repay part of the outstanding amount to maintain the required margin.
Q.10 Who is eligible for applying for a Loan Against Securities?
Ans. Any Indian resident aged 18-75 with a valid PAN, Aadhaar, active NSDL/CDSL Demat account, mobile number, and bank account with net banking access can apply for LAS.