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Loan Against Securities

Loan Against Securities

What Is A Loan Against Securities?

Loan Against Securities (LAS) is a kind of overdraft facility that allows you to pledge your securities as collateral to avail a loan. It is an easy way to receive a line of credit without selling your securities during a market downturn. Now leverage your investment capacity and receive a loan up to 80 per cent on a wide range of financial instruments.

Enjoy instant liquidity without any forecloser charge and pay interest only on the amount you have used. Loan against securities is a unique financial service that allows you the dual advantage of maintaining ownership on your investment and at the same time reaping their benefits.

Features Of Loan Against Shares

Loan against shares is a secured form of loan forwarded against the securities held in your account. Following are the key features of loan against securities.

  • Volume of the loan: Loan amount can go up to 80 percent of the collateral value.
  • Loan against securities interest rate: The interest rate is between 9 percent to 12 percent.
  • Tenure: The loan tenure is typically one year, but you can also foreclose or extend it.
  • Loan against shares eligibility: Indian resident individuals, HUFs (Hindu Undivided Families), NRIs, private and partnership firms, sole proprietorship, and public limited companies are eligible to receive a loan against securities.
  • Charges: There are initial processing fees, including AMC, stamp duty, and the like. Also, there could be additional costs in case of an overdraft.

    • Contact us by filling out the form on the right of this page and outline your situation to us. We'll suggest ways you can restructure your finance to achieve most of the above benefits.

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