Loan Against Securities (LAS)
Loan Against Securities (LAS) is a smart and flexible credit solution that helps you unlock the value of your existing investments without having to sell them. Instead of liquidating your shares, mutual funds, bonds, or other eligible securities, you can use them as collateral to access immediate liquidity for personal or business needs—while your investments continue to remain in the market and potentially grow.
LAS provides a convenient way to raise funds quickly, offering attractive interest rates, minimal documentation, and complete control over how the loan amount is used. Whether you need capital for business expansion, emergency expenses, property purchases, education, or short-term working capital, LAS ensures instant access to funds without interrupting your long-term financial strategy.
One of the biggest advantages of LAS is that you retain ownership of your securities. This means you continue to receive dividends, interest, and market-linked appreciation. At the same time, you enjoy the flexibility of using your investments as a financial tool. The loan limit is generally based on the market value and category of the securities pledged, providing you with a high loan-to-value ratio depending on the lender’s policies.
Another key benefit is its revolving credit facility, where you can borrow, repay, and re-borrow up to the sanctioned limit anytime, similar to an overdraft account. This ensures maximum convenience and liquidity. The loan process is simple and generally involves online pledging of securities, making it fast and efficient.
LAS is ideal for investors, business owners, and professionals who want to manage short-term cash flow without disturbing their investment portfolio. Whether markets are high or low, this facility offers stability by allowing you to meet financial requirements without panic selling or disrupting long-term investment goals.
With Loan Against Securities, you benefit from:
✔ Immediate liquidity without selling investments
✔ Continued market participation and capital growth
✔ Competitive interest rates
✔ Flexible repayment options
✔ Simple documentation and onboarding
✔ Ability to manage short-term or emergency cash needs
✔ Overdraft-style facility for ongoing requirements
Loan Against Securities empowers you to convert your portfolio into an active financial resource. It brings together flexibility, convenience, and financial discipline—allowing you to meet today’s requirements while staying committed to your long-term goals.
