Unlock Liquidity from
Your Securities
Pledge your shares, mutual funds, or bonds to get funds from top lenders through TatvaMoney without selling your investments. Enjoy competitive rates, flexible repayment, and quick disbursal.
A Loan Against Shares & Securities (LAS) lets you leverage your investment portfolio to meet urgent financial needs such as business expansion, personal expenses, or new investment opportunities - all while retaining ownership of your assets.
LAS Eligibility
Get instant quotes from top lenders at 10.5% p.a.
Limit Exceeded: Your max eligible EMI is roughly ₹27,500. Try increasing tenure or lowering loan amount.
2 Lakh+
Customers Served
₹5000 Cr+
Loans Disbursed
50+
Lending Partners
100+
Cities Covered
Why Choose a Loan Against Shares & Securities?
Retain Ownership
Continue to hold your securities and benefit from dividends and capital appreciation while using them as collateral.
Quick Disbursal
Get funds within 24-48 hours with minimal documentation and no property valuation delays.
Competitive Rates
Enjoy lower interest rates compared to personal loans, starting from ~9.50% p.a.
Flexible Repayment
Choose between overdraft facility or term loan with no prepayment penalties.
Explore Loan Against Shares Use Cases
Business Expansion
Working Capital
Emergency Funds
New Investment Opportunities
Personal Expenses
Education Funding
Debt Consolidation
Loan Against Shares EMI Calculator
Calculate your EMI based on loan amount, interest rate, and tenure to plan your finances before applying.
Loan Against Shares EMI CalculatorInstant Estimate
Transparent Loan Against Shares Interest Rates
Interest rates for LAS start from ~9.50% p.a. and vary based on the type of securities pledged, portfolio value, credit score, and lender policies.
Final interest rate is determined after portfolio evaluation and credit assessment.
Current Starting Rate
9.50%
*Rates vary by borrower profile & type of securities pledged.
Compare Loan Against Shares Offers
| Lender | Interest Rate (p.a.) | Max Amount | Max Tenure | Action |
|---|---|---|---|---|
State Bank of India Public Sector Bank | 9.50% - 12.50% | Up to ₹20 Cr | 3 Years | Apply |
Bank of Baroda Public Sector Bank | 9.75% - 13.00% | Up to ₹10 Cr | 3 Years | Apply |
Punjab National Bank Public Sector Bank | 10.00% - 13.50% | Up to ₹5 Cr | 3 Years | Apply |
HDFC Bank Private Bank | 9.50% - 14.00% | Up to ₹20 Cr | 3 Years | Apply |
ICICI Bank Private Bank | 9.75% - 13.50% | Up to ₹10 Cr | 3 Years | Apply |
Kotak Mahindra Bank Private Bank | 10.00% - 14.00% | Up to ₹10 Cr | 3 Years | Apply |
Axis Bank Private Bank | 10.00% - 14.50% | Up to ₹10 Cr | 3 Years | Apply |
Bajaj Finserv NBFC | 9.75% - 16.00% | Up to ₹5 Cr | 3 Years | Apply |
IIFL Finance NBFC | 10.50% - 18.00% | Up to ₹5 Cr | 3 Years | Apply |
Tata Capital NBFC | 10.75% - 16.00% | Up to ₹5 Cr | 3 Years | Apply |
Apply for Loan Against Shares in Top Cities
Get LAS offers across major cities with dedicated local support and faster processing.
Delhi
Mumbai
Pune
Bangalore
Chennai
Hyderabad
LAS Fees & Charges
Processing Fee
of loan amount
Pledge Creation
Charges for creating lien on securities
Prepayment
No prepayment or foreclosure charges
Stamp Duty
As per applicable state laws
LAS Eligibility Criteria
Check if you meet the basic requirements to get your loan approved.
| Eligibility Parameter | LAS Requirement |
|---|---|
| Minimum Age | 21 years |
| Maximum Age (at loan maturity) | 65 years |
| Employment Type | Salaried / Self-Employed / Business Owner / Professional |
| Securities Holding | Must hold approved shares/MF units/bonds in demat account |
| Minimum Portfolio Value | ₹1 Lakh or as per lender norms |
| Credit Score (CIBIL) | 700+ preferred |
| Loan-to-Value (LTV) | 50-80% depending on type of security |
| Demat Account | Active demat account with approved depository participant |
| Income Requirement | Sufficient income to service interest/EMI payments |
| Loan Amount Eligibility | Based on portfolio value & type of securities |
| Loan Tenure | Up to 3 years (renewable) |
| Collateral Requirement | Pledge/lien on approved securities |
| Nationality | Indian Resident |
Documents Required for Loan Against Shares
To apply for a Loan Against Shares & Securities, applicants are required to submit documents related to identity, address, income, and securities portfolio details.
Common Documents
Mandatory for All Applicants
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
Address Proof
- Aadhaar Card
- Utility Bill
- Rent Agreement
Photographs
- Passport-size photographs
Signature Proof
- Bank Verification
- Signature on App Form
Financial Documents
- Salary slips (last 3 months)
- Bank statements (last 6 months)
- ITR (last 2-3 years)
Portfolio Documents
- Demat Account Statement
- Portfolio Valuation Report
- Mutual Fund Statement (CAS)
- DP Client Master List
Important Notes
Seamless Application Process for Loan Against Shares
Unlock the value of your investment portfolio through a simple, secure, and transparent process.
Apply Online
Submit basic personal and portfolio details online.
Upload Documents
Upload identity, income proof, and demat statements securely.
Portfolio Evaluation
Securities are evaluated against the lender's approved list.
Pledge Creation
Lien is created on approved securities and lender sanctions the loan.
Disbursal
Lender disburses funds directly to your bank account, typically within 24-48 hours.
Why Our Loan Against Shares Process Is Seamless
What Our Customers Say
Ankit Sharma
Mumbai
"TatvaMoney helped me get funds against my mutual fund holdings within 48 hours. No need to sell my investments!"
Priya Deshmukh
Pune
"The overdraft facility is amazing - I only pay interest on the amount I use. Great flexibility!"
Rajesh Kapoor
Delhi
"Competitive rates and zero prepayment charges made LAS the perfect choice for my business needs."
Frequently Asked Questions
Turn Your Portfolio into Financial Power
Leverage your shares and securities today and get the funds you need without selling your investments.