Loan Against STOCKS
In the world of finance, loans against stocks offer a unique opportunity for investors to unlock the value of their portfolio without selling their shares. Whether you're looking to seize a business opportunity, address unexpected expenses, or simply need additional funds, loans against stocks can provide the financial flexibility you need while allowing you to retain ownership of your valuable assets. In this blog post, we will delve into the world of loans against stocks and how they can be a valuable tool for investors.
Instant LAS limit within minutes
Interest rate at 10.% p.a. (FLAT)
Large list of approved stocks
100% Digital Process
Feature and Benefits
Loans against stocks, also known as securities-based lending, involve using your stock holdings as collateral to secure a loan from a financial institution. Rather than selling your stocks, which may have potential for future growth, you retain ownership of your securities while accessing the funds you require. The loan amount is typically determined based on the value and liquidity of the stocks being pledged.
Online KYC on Digilocker 
No CIBIL Check
Online OTP based pledge process 
ROI at 10% (Flat) p.a 
Retain ownership
Flexible use of Fund 
Loans Against Long List of Stocks 
Loan amount Min Rs 10,000-Max Rs 10,00,000
There are no charges 
Maximum tenure of loan is 12 months
Advantages of Loans Against Stocks
Retain Investment Growth
By opting for a loan against stocks, investors can continue to benefit from potential market gains and compound interest on their investments. This strategy helps preserve the long-term wealth-building potential of their stock portfolio.
Lower Interest Rates
Loans secured by stocks often come with lower interest rates compared to unsecured loans or credit card advances. The stock holdings act as collateral, reducing the risk for the lender, which translates into more favorable terms for borrowers.
Quick and Convenient Process
Applying for a loan against stocks is typically a streamlined and hassle-free process. Since the stock holdings already exist, the documentation requirements and approval process can be expedited, resulting in faster disbursal of funds.
Flexibility in Loan Amount and Tenure
The loan amount available against stocks is determined by the value of the pledged holdings. This allows borrowers to access a significant portion of their investment's value, offering financial flexibility. Additionally, borrowers can choose a repayment tenure that suits their needs and repayment capacity.
How to Apply
- 1 Type of Loan and Apply
- 2 Complete KYC registration with PAN & Aadhar details
- 3 Pledge securities as collateral for secured loans
- 4 Verify your bank account online via e-mandate
- 5 Read & Sign loan agreement online with OTP authentication
- 6 Get Loan in your Bank account
How to Apply
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Frequently asked questions
A loan against shares is a financial arrangement where the borrower uses their investment portfolio as collateral to obtain a loan from a financial institution. Loan against shares can be an attractive option for individuals who have an investment portfolio but require liquidity for various purposes without selling the share portfolio.
Some advantages of loans against securities include:
- Access to liquidity without selling investments.
- Potential tax advantages compared to selling securities.
- Retaining ownership and potential gains from the pledged securities.
- Flexibility in using the loan funds for various purposes.
The borrower retains the ownership of the pledged securities during the loan period and continues to receive any dividends or interest payments associated with them. However, if the borrower defaults on the loan, the lender has the right to sell the securities to recover the outstanding amount.
Please find below the list of shares eligible for loan against securities
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As soon as the borrower pays the outstanding amount, the pledge is removed.
If market value of shares fall, the borrower will be informed about the margin shortage, the margin should be maintained all the time as per the LTV calculations. The short margin can be fulfilled either by repaying the Loan or pledging more shares in favour. If market value of shares falls below bare minimum margin criteria, the lender can invoke the securities.