📊 LOAN AGAINST SHARES
Get Instant Loan by Pledging Your Shares & Securities
Unlock the value of your shares without selling them. Get a secured overdraft or term loan at attractive interest rates.
No Need to Sell Shares
Stay invested in the market while using your shares to get funding whenever required.
Low Interest Rates
LAS offers lower interest rates compared to personal loans or credit card loans.
Flexible Drawing Power
Withdraw funds as per need with overdraft facility linked to your demat holdings.
📌 Eligibility Criteria
Simple rules for LAS approval:
- Age: 21 – 70 years
- Must hold a valid demat account
- Shares must be in approved list of banks/NBFCs
- Salaried / business / investor – all eligible
- Loan value depends on market value of shares
📁 Required Documents
- Aadhaar + PAN Card
- Demat account statement
- Bank statement (last 3–6 months)
- KYC of borrower
- Pledge initiation request for shares
💰 Interest Rate & Loan Details
Based on share portfolio and lender policy:
- Loan amount: ₹50,000 – ₹5 Crore+
- Interest rate: 9% – 14% annually
- Loan-to-Value (LTV): Up to 50–65% of share value
- Tenure: 12 – 36 months
- Overdraft & term loan both available
⚙️ How the Process Works
- Share portfolio submitted for evaluation
- LTV calculation based on share value
- Pledge initiated in demat account
- Loan approved after pledge confirmation
- Funds disbursed to bank account
