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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.

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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.