Which securities can I pledge to avail of a loan?

Depending on the lender's eligibility criteria, you may be able to pledge listed shares, mutual fund units, bonds, and other approved financial instruments. The securities accepted will depend on the lender's policies.

How much loan can I get against my investments?

The loan amount depends on the type, market value, and eligibility of your pledged securities, along with the lender's applicable loan-to-value (LTV) ratio and assessment criteria.

Can I continue to hold my investments while availing of a Loan Against Securities?

Yes. Your investments remain yours, but they are pledged as collateral for the loan. You can retain your market exposure without selling your holdings, subject to the terms of the loan agreement and applicable conditions.

What happens if the value of my pledged securities falls?

If the market value of your pledged securities declines, the lender may require additional collateral or partial repayment to maintain the required LTV ratio. If you fail to meet the lender's requirements or repay the loan, the pledged securities may be sold to recover the outstanding dues.

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HDFC BANK727.85+1.00 (+0.14%)

INFOSYS1,133.60+23.60 (+2.13%)

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SENSEX74,315.61+0.00 (+0.00%)

BAJAJ FINANCE963.00-2.25 (-0.23%)

ITC262.90-1.00 (-0.38%)

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HUL1,876.90-20.20 (-1.06%)

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ULTRATECH10,828.00-34.00 (-0.31%)

WIPRO177.03+2.98 (+1.71%)

TECH MAHINDRA1,722.30+72.30 (+4.38%)

HCL TECH1,362.00+2.00 (+0.15%)

BPCL291.95-1.75 (-0.60%)

NIFTY 5022,964.30-33.05 (-0.14%)

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HUL1,876.90-20.20 (-1.06%)

AXIS BANK1,283.60-4.40 (-0.34%)

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MARUTI11,363.00-82.00 (-0.72%)

ASIAN PAINTS2,338.60-11.40 (-0.49%)

TITAN4,437.60-18.20 (-0.41%)

SUN PHARMA1,759.40-4.60 (-0.26%)

NTPC313.20-1.45 (-0.46%)

POWER GRID248.50-1.35 (-0.54%)

TATA STEEL175.63-0.77 (-0.44%)

JSW STEEL1,196.20-4.20 (-0.35%)

ULTRATECH10,828.00-34.00 (-0.31%)

WIPRO177.03+2.98 (+1.71%)

TECH MAHINDRA1,722.30+72.30 (+4.38%)

HCL TECH1,362.00+2.00 (+0.15%)

BPCL291.95-1.75 (-0.60%)

Loan Against
Securities

Access immediate institutional liquidity without selling your investments, triggering capital gains taxes, or disrupting long-term compound growth

KEY ADVANTAGES

More Possibilities
with Your Portfolio

Loan Against Securities (LAS) lets you meet capital commitments while your wealth remains fully invested, compounding without tax friction

PORTFOLIO CONTINUITY

Keep Compounding

Never interrupt market rallies or trigger taxable capital gains. Your equities, mutual funds, and bonds stay 100% invested in your name.

Zero tax drag

Retain all dividends & bonuses

Full voting rights maintained

MULTIPURPOSE CAPITAL

Flexible Liquidity

Deploy credit freely for working capital, business expansion, advance tax, real estate down-payments, or bridge emergencies.

Zero end-use restrictions

Revolving overdraft facility

Draw only what you need

COST OPTIMIZATION

Competitive Rates

Significantly lower interest rates compared to unsecured personal or business loans, calculated strictly on a daily reducing balance.

Daily reducing interest

Zero standby fee on unutilized limit

No prepayment penalty

DIGITAL PLEDGE

Rapid Disbursal

Digital pledge authorization via NSDL or CDSL with zero physical paperwork. Sanctions and credit lines activated in hours.

Paperless demat lien

2–4 hour turnaround

Direct bank account linkage

APPROVED COLLATERAL SPECTRUM

Broad Security Acceptance Across Indian Markets

Equity Mutual Funds & Stocks

Up to 50% LTVFrom 9.85% p.a.

Approved across 800+ AMFI-registered mutual fund schemes and top 500 NSE/BSE listed equities.

Debt & Liquid Mutual Funds

Up to 70% LTVFrom 9.25% p.a.

Low-volatility corporate bond funds, short-duration schemes, banking & PSU funds, and liquid funds.

Bonds & Government Securities

Up to 80% LTVFrom 8.95% p.a.

RBI Sovereign Green Bonds, Central/State G-Secs, and AAA/AA+ institutional corporate debentures.

Corporate Fixed Deposits

Up to 85% LTVFrom 8.75% p.a.

Top-rated institutional corporate FDs (HDFC, Bajaj Finance, Mahindra Finance) pledged seamlessly.

INSTITUTIONAL PROCESS

A Simple, Secure Process

DISCOVERY

Share Holdings

Provide your NSDL/CDSL demat statement or mutual fund CAS statement for swift portfolio screening.

VALUATION

Automated Appraisal

Our credit desk calculates your sanctioned limit based on regulatory LTV haircuts across each asset class.

AUTHORIZATION

Digital Demat Pledge

Authorize an electronic lien through NSDL/CDSL with a secure OTP. No transfer of ownership occurs.

EXECUTION

Overdraft Activated

A pre-approved overdraft limit is linked to your bank account. Draw anytime, repay anytime.

Executed via RBI-Licensed Scheduled Commercial Banks & Tier-1 NBFC Partners

NSDL & CDSL PLEDGE•NO REHYPOTHECATION

INTERACTIVE CREDIT PLANNER

See What You
Can Unlock

Estimate your credit limit in seconds across Indian equities, debt mutual funds, and corporate bonds. Interest is billed strictly on the utilized amount, not the approved credit limit.

Daily Reducing Balance: Pay interest only on what you actually withdraw.

Zero Prepayment Drag: Repay anytime without foreclosure charges.

Demat Ownership Retained: All dividends, splits, and bonus units accrue to you.

CREDIT LINE SIMULATOR

LAS Limit & Interest Calculator

Daily Reducing Interest

1. Select Collateral Asset Class

2. Pledged Portfolio Value₹50,00,000

Quick Presets:

ELIGIBLE SANCTION CEILING (50% LTV)

₹25,00,000

Indicative Rate

9.85% p.a.*

Monthly Interest (if 100% drawn):₹20,521 / month

Standby Reserve Cost:₹0 (Zero fee until used)

*Interest accrues only on the exact drawn amount, calculated on daily reducing balance. Overdraft line can be kept active indefinitely without maintenance charges.

INSIGHTS & PERSPECTIVES

Knowledge for Smarter Decisions

View All Insights

CREDIT ARCHITECTURE

FREQUENTLY ASKED QUESTIONS

Loan Against Securities — FAQs

Key regulatory and procedural answers on pledging securities, credit limits, and maintaining market exposure without selling.

Explore all Loan Against Securities FAQs

A Loan Against Securities allows you to raise funds by pledging eligible financial investments, such as shares, mutual funds, bonds, or other approved securities, without having to sell them.

Discuss Your Liquidity Requirement with Our Credit Desk

Credit Desk Specifications

Pledge MechanismNSDL / CDSL Demat Lien

Interest AccrualDaily Reducing Balance

Prepayment / ForeclosureZero Charges

TurnaroundSame-Day Sanction

Protected data rooms & strict confidentiality guaranteed.

Loan Against
Securities

Access immediate institutional liquidity without selling your investments, triggering capital gains taxes, or disrupting long-term compound growth

KEY ADVANTAGES

More Possibilities
with Your Portfolio

Loan Against Securities (LAS) lets you meet capital commitments while your wealth remains fully invested, compounding without tax friction

PORTFOLIO CONTINUITY

Keep Compounding

Never interrupt market rallies or trigger taxable capital gains. Your equities, mutual funds, and bonds stay 100% invested in your name.

Zero tax drag

Retain all dividends & bonuses

Full voting rights maintained

MULTIPURPOSE CAPITAL

Flexible Liquidity

Deploy credit freely for working capital, business expansion, advance tax, real estate down-payments, or bridge emergencies.

Zero end-use restrictions

Revolving overdraft facility

Draw only what you need

COST OPTIMIZATION

Competitive Rates

Significantly lower interest rates compared to unsecured personal or business loans, calculated strictly on a daily reducing balance.

Daily reducing interest

Zero standby fee on unutilized limit

No prepayment penalty

DIGITAL PLEDGE

Rapid Disbursal

Digital pledge authorization via NSDL or CDSL with zero physical paperwork. Sanctions and credit lines activated in hours.

Paperless demat lien

2–4 hour turnaround

Direct bank account linkage

APPROVED COLLATERAL SPECTRUM

Broad Security Acceptance Across Indian Markets

Equity Mutual Funds & Stocks

Up to 50% LTVFrom 9.85% p.a.

Approved across 800+ AMFI-registered mutual fund schemes and top 500 NSE/BSE listed equities.

Debt & Liquid Mutual Funds

Up to 70% LTVFrom 9.25% p.a.

Low-volatility corporate bond funds, short-duration schemes, banking & PSU funds, and liquid funds.

Bonds & Government Securities

Up to 80% LTVFrom 8.95% p.a.

RBI Sovereign Green Bonds, Central/State G-Secs, and AAA/AA+ institutional corporate debentures.

Corporate Fixed Deposits

Up to 85% LTVFrom 8.75% p.a.

Top-rated institutional corporate FDs (HDFC, Bajaj Finance, Mahindra Finance) pledged seamlessly.

INSTITUTIONAL PROCESS

A Simple, Secure Process

DISCOVERY

Share Holdings

Provide your NSDL/CDSL demat statement or mutual fund CAS statement for swift portfolio screening.

VALUATION

Automated Appraisal

Our credit desk calculates your sanctioned limit based on regulatory LTV haircuts across each asset class.

AUTHORIZATION

Digital Demat Pledge

Authorize an electronic lien through NSDL/CDSL with a secure OTP. No transfer of ownership occurs.

EXECUTION

Overdraft Activated

A pre-approved overdraft limit is linked to your bank account. Draw anytime, repay anytime.

Executed via RBI-Licensed Scheduled Commercial Banks & Tier-1 NBFC Partners

NSDL & CDSL PLEDGE•NO REHYPOTHECATION

INTERACTIVE CREDIT PLANNER

See What You
Can Unlock

Estimate your credit limit in seconds across Indian equities, debt mutual funds, and corporate bonds. Interest is billed strictly on the utilized amount, not the approved credit limit.

Daily Reducing Balance: Pay interest only on what you actually withdraw.

Zero Prepayment Drag: Repay anytime without foreclosure charges.

Demat Ownership Retained: All dividends, splits, and bonus units accrue to you.

CREDIT LINE SIMULATOR

LAS Limit & Interest Calculator

Daily Reducing Interest

1. Select Collateral Asset Class

2. Pledged Portfolio Value₹50,00,000

Quick Presets:

ELIGIBLE SANCTION CEILING (50% LTV)

₹25,00,000

Indicative Rate

9.85% p.a.*

Monthly Interest (if 100% drawn):₹20,521 / month

Standby Reserve Cost:₹0 (Zero fee until used)

*Interest accrues only on the exact drawn amount, calculated on daily reducing balance. Overdraft line can be kept active indefinitely without maintenance charges.

INSIGHTS & PERSPECTIVES

Knowledge for Smarter Decisions

View All Insights

CREDIT ARCHITECTURE

How Loan Against Securities Protects Wealth Compounding

Aug 18, 2025

TAX STRATEGY

Avoiding Capital Gains Tax Drag with Overdraft Facilities

Aug 05, 2025

TREASURY MANAGEMENT

Using Securities Backed Credit for Business Opportunities

Jul 22, 2025

FREQUENTLY ASKED QUESTIONS

Loan Against Securities — FAQs

Key regulatory and procedural answers on pledging securities, credit limits, and maintaining market exposure without selling.

Explore all Loan Against Securities FAQs

A Loan Against Securities allows you to raise funds by pledging eligible financial investments, such as shares, mutual funds, bonds, or other approved securities, without having to sell them.

Discuss Your Liquidity Requirement with Our Credit Desk

Credit Desk Specifications

Pledge MechanismNSDL / CDSL Demat Lien

Interest AccrualDaily Reducing Balance

Prepayment / ForeclosureZero Charges

TurnaroundSame-Day Sanction

Protected data rooms & strict confidentiality guaranteed.

Loan AgainstSecurities

More Possibilitieswith Your Portfolio

Keep Compounding

Flexible Liquidity

Competitive Rates

Rapid Disbursal

Broad Security Acceptance Across Indian Markets

Equity Mutual Funds & Stocks

Debt & Liquid Mutual Funds

Bonds & Government Securities

Corporate Fixed Deposits

A Simple, Secure Process

Share Holdings

Automated Appraisal

Digital Demat Pledge

Overdraft Activated

See What YouCan Unlock

LAS Limit & Interest Calculator

Knowledge for Smarter Decisions

How Loan Against Securities Protects Wealth Compounding

Avoiding Capital Gains Tax Drag with Overdraft Facilities

Using Securities Backed Credit for Business Opportunities

Loan Against Securities — FAQs

Discuss Your Liquidity Requirement with Our Credit Desk

Loan AgainstSecurities

More Possibilitieswith Your Portfolio

Keep Compounding

Flexible Liquidity

Competitive Rates

Rapid Disbursal

Broad Security Acceptance Across Indian Markets

Equity Mutual Funds & Stocks

Debt & Liquid Mutual Funds

Bonds & Government Securities

Corporate Fixed Deposits

A Simple, Secure Process

Share Holdings

Automated Appraisal

Digital Demat Pledge

Overdraft Activated

See What YouCan Unlock

LAS Limit & Interest Calculator

Knowledge for Smarter Decisions

How Loan Against Securities Protects Wealth Compounding

Avoiding Capital Gains Tax Drag with Overdraft Facilities

Using Securities Backed Credit for Business Opportunities

Loan Against Securities — FAQs

Discuss Your Liquidity Requirement with Our Credit Desk

Loan Against
Securities

More Possibilities
with Your Portfolio

See What You
Can Unlock

Loan Against
Securities

More Possibilities
with Your Portfolio

See What You
Can Unlock