Need quick funds without selling your shares or mutual funds? A Loan Against Shares & Mutual Funds (LAS) offers a smart solution. You can borrow money by pledging your existing investments, while still retaining ownership and potential growth benefits. It’s an ideal option for short-term liquidity needs without disrupting your portfolio.

What is Loan Against Shares & Mutual Funds?
Loan Against Shares & Mutual Funds is a secured loan where individuals pledge listed shares or mutual fund units to avail funds. The amount sanctioned depends on the market value and eligibility of the pledged securities. This type of loan offers quick disbursal, flexible repayment options, and the advantage of not having to liquidate long-term investments.

Types of Loan Against Securities
Loan Against Shares

• Pledge listed shares held in demat form.
• Loan amount is calculated based on approved list and current market value.

Loan Against Mutual Funds

• Pledge equity or debt mutual fund units.
• Available for both physical and demat holdings, subject to eligibility.

Overdraft Facility Against Securities

• A loan limit is set, and interest is charged only on the amount utilized.
• Ideal for frequent or flexible fund requirements.

Features of Loan Against Shares & Mutual Funds

• Quick Processing : Fast approval and disbursal with minimal paperwork, especially for demat holdings.
• Retain Ownership : Continue to enjoy corporate benefits (like dividends or bonus shares) while your holdings are pledged.
• Flexible Repayment : Pay interest only or choose EMIs based on your preference and cash flow.
• No Need to Sell Investments : Keep your long-term goals intact while meeting short-term financial needs.
• Digital Pledging Option : Some lenders offer online pledging and loan management through portals.
• Attractive Interest Rates  : Generally lower than unsecured personal loans due to the secured nature of the loan.

Conclusion
Loan Against Shares & Mutual Funds is a hassle-free way to meet financial requirements without disturbing your investment portfolio. Whether for personal use or business needs, this option provides liquidity while preserving long-term wealth creation.

Need instant funds without selling your assets?