Unlock the Power of Your Investments – Get Loans Against Shares, Mutual Funds, Bonds & Debentures!
Loan Against Securities (LAS) is a convenient way to get funds without selling your investments. You can pledge your financial assets like Shares, Mutual Funds, ETFs (Exchange Traded Funds), and Bonds to get a line of credit from a lender.
With LAS, you can borrow from ₹5 lakhs to ₹20 crores at attractive interest rates starting from 10.75% per annum. This is a great option when you need money for personal or business use but don’t want to liquidate your investments.
This loan is eligible for both individuals (Indian residents) and entities such as Sole Proprietorships, Private Trusts, Companies (Private/Public Ltd.), and HUFs.
The best part? Even though your securities are pledged, you still remain the owner. You continue to earn dividends, interest, and other benefits from your investments. Once you repay the loan, your securities are released.
In short, LAS helps you unlock the value of your investments while still keeping them in your name. It’s a smart way to get quick liquidity without breaking your portfolio.
Get a loan by pledging Shares, Mutual Funds, or Bonds without selling them.
Avail loan amounts from ₹5 Lakhs to ₹20 Crores as per your asset value.
Use funds as needed and pay interest only on the amount used.
Stay the owner of your securities and continue to earn dividends or returns.
Need more funds later? Just pledge more securities for an easy top-up.
Attractive floating rates starting from 10.75% per annum.
Close your loan anytime without paying any foreclosure penalty.
Available for individuals, companies, trusts, HUFs, and proprietorships.
There's nothing hidden, and all loan conditions are clearly presented. We don't impose any additional charges.
Grahaan Capital also takes care of your convenience. Enjoy our doorstep services by availing our LAS Services.
Grahaan Capital facilitates loans against securities to various Indian-registered entities, including Individuals, Companies, LLPs, Private Trusts, HUFs, and Partnerships.
The loan tenure starts at 12 months and can be renewed up to 3 years.
We provide financing starting from a modest loan amount, going up to high-value funding as per your asset profile.
The loan-to-value (LTV) depends on the type of security pledged:
Equity: Up to 50%
Hybrid Funds: Up to 60–75%
Debt Funds: Up to 70–80%
Government Bonds: Up to 90%
Get flexible funding while retaining ownership of your investments.
These are our fees and charges for loan against securities to help you plan in great detail:
| Particulars | Charges |
| Processing Fees | Up to 2% of the Loan Amount |
| Liquidation Charges* | 0.25% of value of securities liquidated |
| Cheque / ACH / ECS dishonoured Charges (per dishonour of cheque/ACH/ECS per presentation) | INR 1000/- |
| Late Payment Charges | 2% per month (24% per annum) on the overdue amount calculated on day-to-day basis, payable from the relevant due date till date of actual payment |
| Loan Cancellation Charges | Not Applicable |
| Swap Charges- for replacement of ACH/ECS to ACH/ECS (per instance) | INR 500/- |
| Prepayment charges | Not Applicable |
| Annual Maintenance/Renewal Charges | INR 1000/- per crore, subject to minimum of INR 1000/- and maximum of INR 10,000/- |
| Stamp Duty | At actuals (as per state) |
| * No Other Hidden Charges | |
* Applicable for Securities in demat form
Note:
Grahaan Capital reserves the right to revise the applicable charges at its sole discretion, subject to regulatory requirements or with prior notice through any of the communication channels specified in the agreement. All fees and charges stated herein or elsewhere in the Facility Agreement are exclusive of applicable taxes, including but not limited to Goods and Services Tax (GST) and any other statutory levies, which shall be borne by the borrower as applicable from time to time.
"Loan against security" is referred to as "LAS". Securities include equity shares, units of mutual funds ( equity and debt), etc. A loan against a security is disbursed after a bank has approved and verified it.
It varies as per your CIBIL score.
1. Any individual (resident & non-resident), including staff members engaged in the gainful activity, who have a regular source of income can apply for a loan against securities (LAS).
2. Two or more individuals
a. The securities can be held in any by one or more applicants. In the case of a joint account, the name of all the holders must be of the applicant or co-applicant.
b. If the co-applicant is not the leader of security, he/she should be a close relative of the holder.
c. At least one applicant-applicant should be engaged in the gainful activity and have a regular source of income.
d. The total outstanding per individual should not cross the limits mentioned under ticket size from the entire banking system.
Note:
a. Applicants can have a DEMAT account with any depository participants.
b. List of close relatives: spouse, father, mother (including stepmother), son (including step-soon), son’s wife, daughter (including step-daughter),
daughter’s husband, brother/sister (including stepbrother/sister), brother’s
wife, sister (including stepsister) of spouse, sister’s husband, brother (including stepbrother) of a spouse.
A loan against sovereign gold bonds is available, providing Sovereign Gold Bond (SGB) is listed and in the DEMAT form.
If anyone needs funds to meet their contingency needs, without selling their mutual funds units, then they can avail loan against a mutual fund.
Yes, you can avail loan against shares, if you hold shares that are as per the bank’s approved list. Shares should be in dematerialized form only.
The limit will be given in the form of an overdraft facility only.
The limit will be given in form of an overdraft facility only.
If all the documentation part is done and the securities are lien marked pledged, the loan will be disbursed within 2-3 working days.
In the event of corporate action of any bonus issue, the new security/ mutual fund units will be pledged, and the borrower may seek an additional limit or remove the pledge on such security if borrowing/ exposure limit or margin requirements, as of the date of any request, are compliant.
Yes, a loan against security can be granted, but the wife has to be a joint holder.