Loan Against Securities
up to ₹200 Crore.
Pledge shares, mutual funds & bonds without selling your portfolio.
Instant liquidity against equities, mutual fund folios, bonds, and Sovereign Gold Bonds while retaining complete ownership, dividends, and upside growth.
Check LAS Eligibility & LTV Limits
Personalised offers in two minutes. No credit score impact.
₹0+ Cr
Limit Available
~0 Hours
MF Disbursal Time
0+
Partner Lenders
0%
Foreclosure Fee
Leading LAS Lending Institutions & NBFCs
Access instant liquidity against shares, mutual funds, and bonds with zero prepayment penalty.
Compare 10+ LAS offers.
Updated rates from leading private banks and specialized NBFCs.
HDFC Bank
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
1.5%
Amount
₹50 L – ₹40 Cr
Tenure
12–180 months
ICICI Bank
RBI-regulated · Direct lender
Interest
10.75% p.a.
Processing fee
1.25%
Amount
₹50 L – ₹30 Cr
Tenure
12–144 months
Axis Bank
RBI-regulated · Direct lender
Interest
11.00% p.a.
Processing fee
1.5%
Amount
₹50 L – ₹25 Cr
Tenure
12–120 months
Kotak Mahindra
RBI-regulated · Direct lender
Interest
10.99% p.a.
Processing fee
1.75%
Amount
₹75 L – ₹40 Cr
Tenure
12–180 months
Yes Bank
RBI-regulated · Direct lender
Interest
11.50% p.a.
Processing fee
2%
Amount
₹50 L – ₹20 Cr
Tenure
12–120 months
IDFC FIRST
RBI-regulated · Direct lender
Interest
10.85% p.a.
Processing fee
1.5%
Amount
₹50 L – ₹15 Cr
Tenure
12–96 months
HDFC Bank
RBI-regulated · Direct lender
Interest
9.75% p.a.
Processing fee
1%
Amount
₹10 L – ₹200 Cr
Tenure
12–72 months
Volt Money
RBI-regulated · Direct lender
Interest
10.00% p.a.
Processing fee
0.75%
Amount
₹5 L – ₹10 Cr
Tenure
12–36 months
ICICI Bank
RBI-regulated · Direct lender
Interest
9.90% p.a.
Processing fee
1%
Amount
₹10 L – ₹50 Cr
Tenure
12–72 months
Bajaj Finserv
RBI-regulated · Direct lender
Interest
10.25% p.a.
Processing fee
1%
Amount
₹5 L – ₹20 Cr
Tenure
12–60 months
Anand Rathi
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
1%
Amount
₹25 L – ₹100 Cr
Tenure
12–72 months
Axis Bank
RBI-regulated · Direct lender
Interest
10.00% p.a.
Processing fee
1%
Amount
₹10 L – ₹30 Cr
Tenure
12–60 months
Eligible Collateral Securities
Understand exactly where LAS capital can be deployed without liquidating core wealth.
Working Capital
Manage operational cash flows without selling long-term stocks.
Business Expansion
Fund new business ventures, inventory, or machinery.
Vehicle & Property
Bridge liquidity for real estate purchases or down payments.
Short-Term Liquidity
Handle unexpected capital needs or high-value personal expenses.
Education & Medical
Fund higher education or emergency health requirements.
Debt Consolidation
Refinance high-cost unsecured credit into lower interest LAS.
Bridge Financing
Short-term funding while awaiting asset sales or receivables.
Tax Optimization
Avoid triggering short/long-term capital gains tax liabilities.
Eligibility Criteria
Key requirements for individual investors, HNIs, promoters, and corporate entities.
Note: Mutual Fund LAS can be processed digitally within ~24 hours with zero physical real estate collateral. NRIs, active politicians, practicing lawyers, and police personnel are ineligible per lender policy.
Documentation Checklist
100% paperless digital verification using CAS statement.
Portfolio Statement
Latest holding statement & Client Master List (CML)
KYC Documents
Self-attested PAN Card, Aadhaar Card & Photograph
Banking Proof
Cancelled cheque of primary bank account
ITR (Limits ≥ ₹3Cr)
Last 3 years' ITR & computation (not required for < ₹3Cr)
Loan Against Securities Calculator
Calculate your potential interest outflow before pledging. Toggle values below to understand potential EMIs and structure your borrowing tenure correctly.
Loan parameters
Portfolio Pledge Success Stories
Read real, non-promotional case files of investors we have helped secure LAS credit. Hover to pause.
Vikram Shah
Shah Enterprises · Mumbai
Needed urgent working capital to place a high-volume seasonal raw material order, but selling his core blue-chip equity portfolio would trigger significant long-term capital gains tax.
Evaluated his equity and mutual fund portfolio across partner LAS lenders. Structured an overdraft line against securities pledged digitally via NSDL.
"Overdraft facility activated within 24 hours; secured raw material discounts without selling a single share, preserving his portfolio growth."
Dr. Meera Kulkarni
Kulkarni Healthcare · Pune
Required quick capital to upgrade diagnostic equipment while her funds were locked in Sovereign Gold Bonds (SGB) and debt mutual funds.
Lien-marked her debt mutual funds and SGBs at 80% LTV with zero foreclosure penalties and an attractive ~10% interest rate.
"Funds credited in 2 business days; diagnostic clinic installed equipment on schedule while continuing to receive SGB interest payouts."
Sunil Agarwal
Agarwal Tex-Fab · Surat
Faced raw material liquidity needs during peak festival demand, but traditional bank property loans required a 45-day appraisal cycle.
Leveraged his mutual fund and bond holdings to obtain a fast LAS limit with zero physical real estate collateral requirements.
"Sanctioned and disbursed in 48 hours; fulfilled seasonal orders on time, boosting quarter-on-quarter turnover by 40%."
Anand R. Verma
Verma Advisory Services · Bengaluru
Needed short-term cash flow for office expansion while maintaining market exposure during a bullish equity market rally.
Pledged equity shares through our automated partner process, securing a flexible credit line with pay-as-you-use interest terms.
"Expanded workspace without missing out on a 22% portfolio market rally over the subsequent 8 months."
Vikram Shah
Shah Enterprises · Mumbai
Needed urgent working capital to place a high-volume seasonal raw material order, but selling his core blue-chip equity portfolio would trigger significant long-term capital gains tax.
Evaluated his equity and mutual fund portfolio across partner LAS lenders. Structured an overdraft line against securities pledged digitally via NSDL.
"Overdraft facility activated within 24 hours; secured raw material discounts without selling a single share, preserving his portfolio growth."
Dr. Meera Kulkarni
Kulkarni Healthcare · Pune
Required quick capital to upgrade diagnostic equipment while her funds were locked in Sovereign Gold Bonds (SGB) and debt mutual funds.
Lien-marked her debt mutual funds and SGBs at 80% LTV with zero foreclosure penalties and an attractive ~10% interest rate.
"Funds credited in 2 business days; diagnostic clinic installed equipment on schedule while continuing to receive SGB interest payouts."
Sunil Agarwal
Agarwal Tex-Fab · Surat
Faced raw material liquidity needs during peak festival demand, but traditional bank property loans required a 45-day appraisal cycle.
Leveraged his mutual fund and bond holdings to obtain a fast LAS limit with zero physical real estate collateral requirements.
"Sanctioned and disbursed in 48 hours; fulfilled seasonal orders on time, boosting quarter-on-quarter turnover by 40%."
Anand R. Verma
Verma Advisory Services · Bengaluru
Needed short-term cash flow for office expansion while maintaining market exposure during a bullish equity market rally.
Pledged equity shares through our automated partner process, securing a flexible credit line with pay-as-you-use interest terms.
"Expanded workspace without missing out on a 22% portfolio market rally over the subsequent 8 months."
Frequently Asked Questions
Have questions about eligible securities, LTV calculations, or pledge turnaround time? Explore common answers here or connect with our relationship managers.
Let's Find the Right Loan Against Securities for You
Speak with our wealth lending specialists and compare financing options from multiple banks based on your portfolio value.