Loan Against Securities (LAS)
Unlock Liquidity Without Selling Your Investments
Explore Loan Against Shares, Mutual Funds, Bonds and other eligible securities through participating banks and NBFCs. Compare available financing options with professional loan application assistance.
Apply Now Calculate EMIWhat Is a Loan Against Securities?
A Loan Against Securities (LAS) is a secured credit facility in which eligible financial investments are pledged as collateral to obtain funds. Depending on lender policies, eligible securities may include listed shares, mutual funds, bonds, government securities and other approved financial instruments.
Instead of selling eligible investments, borrowers may access liquidity while retaining ownership subject to the pledge and lender conditions. The lender determines the eligible collateral, valuation, applicable Loan-to-Value (LTV), interest rate and repayment structure.
Key Features & Benefits
Investment-Backed Funding
Explore credit facilities against eligible pledged investments.
Flexible Credit Options
Term loan or overdraft facilities, depending on lender availability.
Multiple Securities
Shares, mutual funds, bonds and other lender-approved securities.
Quick Enquiry Process
Submit your enquiry and receive assistance with the application process.
Multiple Lender Options
Explore participating banks and NBFCs through our lender network.
Transparent Assistance
Understand indicative charges, eligibility and lender-specific terms.
Loan Against Securities Interest Rates – Indicative Comparison
The following figures are indicative comparison inputs and are not guaranteed live lender quotations. Confirm current terms directly with the respective lender before applying.
Scheduled Commercial Banks
| Lender | Indicative Loan Amount | Tenure | Interest Rate p.a. | Processing Fee |
|---|---|---|---|---|
| State Bank of India | ₹25,000–₹20 Lakh (shares); up to ₹5 Cr (debt MF) | 12–36 months | 10.05%–10.50% | 0.50%–0.75%; min ₹1,000 |
| HDFC Bank | ₹50,000–₹20 Lakh (digital); other limits vary | 12 months, renewable | 8.50%–14.50% | ₹1,499 or applicable percentage |
| ICICI Bank | ₹25,000–₹1 Cr; higher limits for eligible debt securities | 12 months, renewable | 8.25%–11.75% | Up to 2%; min ₹1,999 |
| Axis Bank | ₹25,000–₹20 Lakh (shares); limits vary by security | 12 months, renewable | 10.25%–10.75% | 0.15%–1%; min ₹1,500 |
| Bank of Baroda | ₹1 Lakh–₹20 Lakh (equity); debt MF limits vary | 12 months, renewable | 9.75%–11.25% | 0.50%–1% |
| Kotak Mahindra Bank | ₹1 Lakh onwards; security-specific limits | 12–36 months | 9.50%–12.50% | Up to 2% |
NBFCs & Fintech Platforms
| Lender | Indicative Loan Amount | Tenure | Interest Rate p.a. | Processing Fee |
|---|---|---|---|---|
| Bajaj Finserv | ₹25,000–₹10 Cr | 3–12 months, renewable | 8.25%–12.25% | Up to 4.72%, inclusive of taxes |
| Tata Capital | ₹5 Lakh–₹20 Cr | 12–36 months | 9.50%–14.00% | Up to 3% + GST |
| SMFG India Credit | ₹10 Lakh–₹10 Cr | 12–24 months | 9.00%–16.00% | Up to 3% + GST |
| Mirae Asset Financial Services | ₹10,000–₹3 Cr | 12 months, renewable | 9.00%–12.50% | ₹999–1% + GST |
| Zerodha Capital | ₹25,000–₹5 Cr | 12 months, renewable | 10.50%–12.50% | ₹999 or 1%, capped at ₹4,999 + GST |
| Volt Money | ₹25,000–₹5 Cr | 12 months, renewable | 9.99%–12.50% | Up to 1% + GST |
Loan-to-Value (LTV) & RBI Guidelines
The amount available against securities depends on the type, market value and eligibility of pledged assets. Regulatory requirements and lender risk policies determine applicable LTV limits.
- Equity shares and equity-oriented mutual funds may have a lower eligible LTV than certain debt securities.
- Market price fluctuations can affect collateral value and available drawing power.
- Additional collateral or repayment may be required if the LTV limit is breached.
- Loan limits and digital facility limits vary by lender and product.
Explore All Loan Products
LoansBazaar India provides loan enquiry, comparison and application assistance across multiple retail, business and institutional finance categories through participating financial institutions.
Loan EMI Calculator
Estimate your monthly instalment, total interest and repayment amount.
This calculator provides an illustrative reducing-balance EMI estimate. Actual lender repayment schedules may differ.
Apply NowHow LoansBazaar India Works
Understand
Share your loan requirement and basic financial details.
Compare
Explore available options from participating lenders, subject to eligibility.
Prepare
Receive assistance with the required documents and application.
Apply
Submit your application to the relevant lender.
Track
Follow up on application progress with the lender.
Documents Generally Required
KYC Documents
PAN, identity proof, address proof and photograph, as applicable.
Financial Documents
Bank statements, income proof, ITR or financial statements, as applicable.
Security Details
Demat account, holding statement, mutual fund details or eligible security records.
The lender may request additional documents depending on the applicant, security and loan product.
Frequently Asked Questions
What is the minimum loan amount against securities?
It varies by lender, security type and product. Some facilities may start from a few thousand rupees, while others have higher minimums.
Can I get a loan without selling my shares?
Eligible shares may be pledged as collateral, subject to lender approval and applicable terms. You cannot freely sell pledged securities while the pledge remains active.
What is the maximum LTV?
LTV depends on the security type and applicable regulatory requirements. The lender determines the eligible amount after valuation and risk assessment.
Can self-employed applicants apply?
Self-employed applicants may be eligible depending on the lender's criteria, income assessment, KYC and eligible securities.
Does LoansBazaar India approve loans?
No. LoansBazaar India provides loan enquiry, comparison and application assistance. Final sanction and disbursement decisions are made solely by the concerned lender.
Are there any service charges?
LoansBazaar India's stated service charges are nil. However, lenders may levy processing fees, interest, taxes and other applicable charges.
About LoansBazaar India
LoansBazaar India is a financial services provider and Corporate DSA offering loan enquiry, lender comparison and application assistance across India. With 15+ years of experience in financial services, our objective is to help customers explore suitable financing options through participating banks and NBFCs.
Website: loansbazaarindia.com
Email: info@loansbazaarindia.com
Address: Barwa Shuklpur, Meja, Prayagraj, Uttar Pradesh 212305, India.
Business Hours: Monday–Friday, 9:00 AM–6:00 PM IST.
Important Disclaimer
LoansBazaar India operates as a financial services provider and Corporate Direct Selling Agent (DSA). We facilitate loan enquiries, lender comparisons and application assistance. We are not a bank and do not independently sanction or disburse loans unless specifically authorised under an applicable arrangement. All interest rates, loan amounts, processing fees, LTVs, eligibility criteria and tenures mentioned on this page are indicative and subject to change without prior notice. Actual offers depend on the lender's current policies, applicant eligibility, credit profile, income, documentation, security valuation and final lender assessment. Loan approval and disbursement are solely at the discretion of the concerned bank or NBFC. Applicable processing fees, GST, stamp duty and other lender charges may apply. No approval, lowest rate or specific loan amount is guaranteed. RBI regulations and lender terms should be independently verified before applying.© 2026 LoansBazaar India. All Rights Reserved.