Our Services

Loan Against Shares

A Loan Against Shares (LAS) is a secured loan where you pledge your shares or securities to a bank or NBFC and get money without selling your investments. You continue to hold ownership, but the shares remain pledged until the loan is repaid.

Back to Services

Key Features

Loan-to-value is commonly up to around 50% of share value.
Interest rate often around 9.5% to 11.5% per annum.
Typical tenure is about 1 year with renewal options (lender specific).
Dividends and benefits generally continue during pledge.

Eligibility Criteria

Shares should be in approved listed companies.
Active demat holdings.
KYC and income proof.
Lender credit assessment.

Documents Required

PAN and Aadhaar.
Demat statement.
Income proof (ITR/salary slip/bank statement).

Advantages

Get funds without selling investments.
Usually lower rates than unsecured borrowing.
Faster processing and flexible repayment structures.

Things To Check Before Applying

Market Risk: If share price falls → lender may ask for extra collateral (margin call).
If you fail to repay → lender can sell pledged shares.
Loan value changes with market movement.

Example

You have shares worth ₹5 lakh
You may get loan around ₹2–2.5 lakh
Interest charged only on borrowed amount.