Tap into instant liquidity with LAS—a secured credit option that lets you access funds without affecting your portfolio’s potential, offering flexibility for those seeking solutions without interrupting their financial objectives.
Our experts are here to help you make the most of your investments through smart, flexible Loan Against Securities solutions.
A Loan Against Securities (LAS) is a secured borrowing option where individuals or businesses use their financial holdings as collateral. Instead of selling shares, bonds, or other assets, this approach allows access to funds while maintaining exposure to potential market gains and payouts.
Ideal for short-term financial needs—such as working capital or personal expenses—LAS lets you leverage a portion of your holdings’ market value. Interest applies only on the utilized amount.
This quick and flexible credit option helps ensure your assets continue to work for you while providing needed liquidity.
Loan Against Securities (LAS) offers a range of customizable options to meet diverse financial goals—whether you’re looking for quick liquidity, working capital, or short-term funding.
You can avail LAS by pledging a variety of financial instruments, including:
Equity Shares
Mutual Fund Units
Exchange-Traded Funds (ETFs)
Bonds and Debentures
Insurance Policies (with surrender value)
These securities act as collateral, allowing you to access funds without liquidating your investments.
Loan-to-Value (LTV): Typically ranges from 35% to 80% of the current market value of the pledged securities.
Flexible Tenure: Loan terms can range from a few months to up to 5 years, depending on the product and lender.
Lower Interest Rates: Since the loan is backed by assets, interest rates are lower than unsecured personal loans.
Flexible Repayment: Repayment terms vary by lender, with options including interest-only payments, EMIs, or bullet repayment at the end of tenure.
Lenders may offer different LAS formats tailored to individual needs:
Term Loans – Fixed tenure and EMI structure.
Consumer Loans – For personal or lifestyle needs.
Flexi-Loans – Withdraw funds as needed and pay interest only on the utilized amount.
Access immediate funds without selling your investments, ideal for emergencies or short-term cash needs.
Stay invested and continue earning dividends, interest income, and capital gains while enjoying liquidity.
Enjoy lower interest rates compared to personal loans or credit cards, thanks to secured lending.
Choose repayment plans that match your cash flow, reducing financial stress and offering better control.
Raise quick capital for working capital needs, expansion plans, or managing seasonal cash flow gaps—without disrupting your investment portfolio.
Leverage your large investment portfolio for real estate deals, luxury purchases, or timely investment opportunities.
Perfect for individuals needing quick funds for weddings, travel, medical emergencies, or large purchases.
Maintain your long-term investment strategy while ensuring liquidity for your immediate financial requirements.