Loan Against Securities

You can apply for a loan against securities with competitive interest rates. This quick and hassle-free loan option enables you to stay financially stable while your investment continues to grow. This is a viable option, when you need quick funds but don’t want to liquidate your investments.

Take a look at some of the categories of securities commonly accepted as collateral by lenders:

Fixed Deposits (FDs)

Fixed deposits can be pledged for loans at competitive interest rates.

Mutual Funds

Both equity-oriented and debt-oriented mutual funds are eligible. The loan amount depends on the value of the pledged units.

Equity Shares

Equity share investments can serve as collateral to get a loan.

Government Securities (G-Secs)

Treasury bills, government bonds, and other sovereign-backed instruments can be pledged as well to obtain the loan amount.

Life Insurance Policies

The loan amount you may be eligible for depends on the surrender value of the policy.

National Savings Certificates (NSCs)

You can get a loan against NSC, which can go up to 90% of the NSC value, depending on the terms and policies of financial institutions.

Kisan Vikas Patra (KVP)

Similar to NSCs, you can submit the certificate as collateral, to get the loan.

Exchange-traded Funds (ETFs)

Access quick funds with loans against ETFs, leveraging your investments without liquidation, at competitive interest rates.

Corporate Bonds and Non-Convertible Debentures (NCDs)

Bonds issued by corporations and NCDs with high credit ratings may also qualify as collateral depending on lender policies.

Portfolio Investments

A diversified portfolio of investments held in a demat account may be collectively pledged to secure a loan.

High Loan Amount

You can access a loan based on your eligibility and the loan-to-value (LTV) ratio. The loan amount is designed to meet your financial requirements while ensuring that you don’t have to liquidate your investments.

Competitive Interest Rates

Benefit from attractive interest rates, making it easier for you to manage repayment costs.

Rapid Disbursal

Once your loan is approved, the funds are disbursed quickly to your bank account. This ensures that you can access the money you need without unnecessary delays.

No Restrictions on End Use

There are no limitations on how you can use the loan amount, giving you full flexibility for personal or business needs.

No Need to Sell

You can access funds without having to liquidate your investments.