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Loan Against Securities

Quick liquidity against mutual funds, stocks, and insurance policies without selling assets. Compare interest rates, check instant eligibility, and apply with top lending partners on FINDEAL.

Interest Rate From 8.50% p.a.*
Loan Amount Up to ₹5 Crores
Loan Tenure Up to 30 Years
Processing Instant Sanction
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INSTANT APPROVAL WIDGET

Apply for Loan Against Securities

Fast Disbursal
100% Confidential Zero Impact on CIBIL

Lowest Interest Rates

Competitive interest rates from top partner banks starting at 8.50% p.a.

Flexible Tenure Options

Choose repayment tenure ranging from 12 months up to 30 years.

Minimal Documentation

Paperless online upload with simple KYC and income verification.

Fast Loan Disbursal

Quick approval process with funds disbursed directly to your bank account.

LIQUIDITY AGAINST INVESTMENTS

Unlock Cash Without Selling Shares: Loan Against Securities

Instant overdraft limit pledged against Equity Shares, Mutual Funds, Sovereign Gold Bonds (SGB), and Insurance Policies without selling investments.

Loan Against Securities

Loan Against Securities Overview

Fast digital verification with transparent loan terms across top Indian banks.

KEY HIGHLIGHTS
Instant digital credit line against Mutual Funds & Shares
Pay interest ONLY on the amount drawn and duration used
Retain complete ownership, dividends, & market growth
Zero foreclosure charges & flexible interest-only payments
Max Amount: Up to ₹5 Crores
Rates From: From 9.00% p.a.
Tenure: Revolving Limit
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Instant Liquidity While Retaining Investment Growth

4 Min Read Verified Guide FINDEAL Certified

A Loan Against Securities (LAS) allows investors to pledge their demat equity shares, mutual fund units, RBI gold bonds, or insurance policies as collateral to get an instant digital overdraft limit.

Instead of selling your long-term wealth investments and paying capital gains tax during market dips, FINDEAL helps you get instant cash while your portfolio continues to earn dividends and capital appreciation.

Who Should Choose LAS?

Stock market investors, mutual fund SIP holders, and business owners needing short-term liquidity without disrupting long-term compounding goals.

Approved Investment Collaterals

Pledging Equity Shares of Approved Listed Companies
Pledging Equity & Debt Mutual Fund Units via CAMS/KFintech
Sovereign Gold Bonds (SGB) & LIC Insurance Policies
Short-term Business & Personal Cash Requirements

Smart Portfolio Credit Line Tips

LAS operates as an overdraft. You can withdraw cash anytime and repay into the limit whenever cash flows in, minimizing interest expenses.

TRUSTED ADVISOR

Why Borrow via FINDEAL?

  • 30+ Top Partner Banks
  • Zero Hidden Processing Fees
  • Dedicated Loan Assistant
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Loan Against Securities Snapshot

Max Limit Up to ₹5 Crores
Interest Rate From 9.00% p.a.
Tenure Range Revolving Limit
Credit Score Minimal CIBIL Impact
Disbursal Digital Pledge in 4 Hrs
PRACTICAL APPLICATIONS

Benefits of Loan Against Securities

Verified Category Guidance

Retain Dividends

Continue earning dividends, bonuses, and growth.

Avoid Capital Gains Tax

No tax liability because you never sell your shares.

Digital Instant Pledge

Pledge mutual funds online via OTP in minutes.

Pay Only for Usage

Interest charged daily on exact amount withdrawn.

No Prepayment Penalty

Repay full amount anytime with zero penalty.

High LTV Ratio

Get up to 50% on shares and 85% on debt mutual funds.

INTERACTIVE CALCULATOR

Calculate Your Loan Against Securities EMI

Use our easy calculator slider to estimate your monthly EMI repayments, interest payable, and total loan amount before applying.

Explore All 21 Calculators
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Estimated Monthly EMI ₹
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Eligibility Criteria

BASIC QUALIFICATIONS
  • Age Requirement: Minimum 21 years up to 65 years at loan maturity.
  • Employment: Salaried employee, self-employed professional, or business owner.
  • Minimum Income: Net monthly income of ₹25,000 or annual turnover of ₹10 Lakhs.
  • Credit Score: CIBIL Score of 700 or higher for best interest rates.

Required Documents

PAPERWORK CHECKLIST
  • Identity & Address Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
  • Income Proof: Last 3 months salary slips or ITR for last 2 financial years.
  • Bank Statements: Last 6 months bank account statements showing salary/business credits.
  • Business Proof (if self-employed): GST Registration, Business License, or Property Deed.
PARTNER RATES

Compare Top Lender Rates for Loan Against Securities

Lender / Institution Interest Rate (p.a.) Loan Amount Processing Fee Action
HDFC
HDFC Bank 		10.50% - 12.50% ₹50K - ₹50 Lakhs Up to 0.50% Apply
ICICI
ICICI Bank 		10.75% - 13.00% ₹50K - ₹50 Lakhs Up to 1.00% Apply
AXIS
Axis Bank 		11.00% - 13.50% ₹50K - ₹40 Lakhs Up to 1.25% Apply
SBI
State Bank of India 		10.30% - 12.00% ₹50K - ₹50 Lakhs Nil - 0.50% Apply
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