Loan Against STOCKS

In the world of finance, loans against stocks offer a unique opportunity for investors to unlock the value of their portfolio without selling their shares. Whether you're looking to seize a business opportunity, address unexpected expenses, or simply need additional funds, loans against stocks can provide the financial flexibility you need while allowing you to retain ownership of your valuable assets. In this blog post, we will delve into the world of loans against stocks and how they can be a valuable tool for investors.

  • Instant LAS limit within minutes
  • Interest rate at 10% p.a. (FLAT)
  • Large list of approved stocks
  • 100% Digital Process
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Feature and Benefits

Loans against stocks, also known as securities-based lending, involve using your stock holdings as collateral to secure a loan from a financial institution. Rather than selling your stocks, which may have potential for future growth, you retain ownership of your securities while accessing the funds you require. The loan amount is typically determined based on the value and liquidity of the stocks being pledged.

  • Online KYC on Digilocker
  • No CIBIL Check
  • Online OTP based pledge process
  • ROI at 10% (Flat) p.a
  • Retain ownership
  • Flexible use of Fund
  • Loans Against Long List of Stocks
  • Loan amount Min Rs 10,000-Max Rs 10,00,000
  • There are no charges
  • Maximum tenure of loan is 12 months
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How to Apply

  • 1 Type of Loan and Apply
  • 2 Complete KYC registration with PAN & Aadhar details
  • 3 Pledge securities as collateral for secured loans
  • 4 Verify your bank account online via e-mandate
  • 5 Read & Sign loan agreement online with OTP authentication
  • 6 Get Loan in your Bank account

How to Apply

1 Select Type of Loan and Apply
2 Complete KYC registration with PAN & Aadhar details
3 Pledge securities as collateral for secured loans
4 Verify your bank account online via e-mandate
5 Read & Sign loan agreement online with OTP authentication
6 Get Loan in your Bank account

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Frequently asked questions

A loan against shares is a financial arrangement where the borrower uses their investment portfolio as collateral to obtain a loan from a financial institution. Loan against shares can be an attractive option for individuals who have an investment portfolio but require liquidity for various purposes without selling the share portfolio.

Some advantages of loans against securities include:

  • Access to liquidity without selling investments.
  • Potential tax advantages compared to selling securities.
  • Retaining ownership and potential gains from the pledged securities.
  • Flexibility in using the loan funds for various purposes.

The borrower retains the ownership of the pledged securities during the loan period and continues to receive any dividends or interest payments associated with them. However, if the borrower defaults on the loan, the lender has the right to sell the securities to recover the outstanding amount.

Please find below the list of shares eligible for loan against securities

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As soon as the borrower pays the outstanding amount, the pledge is removed.

If market value of shares fall, the borrower will be informed about the margin shortage, the margin should be maintained all the time as per the LTV calculations. The short margin can be fulfilled either by repaying the Loan or pledging more shares in favour. If market value of shares falls below bare minimum margin criteria, the lender can invoke the securities.