Need funds but don't want to sell your investments? Pledge mutual funds, shares, FDs or insurance and get instant liquidity at the lowest interest rates.
Your investments keep working while you access the funds you need
Pledge your MF units (equity, debt, hybrid). Funds continue earning returns while pledged.
LTV: up to 80%Pledge your demat shares (approved list). Continue receiving dividends and corporate benefits.
LTV: 50–60%Get loan against bank FDs or corporate FDs. Highest LTV with very competitive interest rates.
LTV: up to 90%Pledge your life insurance (endowment/money-back) for instant liquidity without surrendering.
LTV: up to 80%Maximum loan amount you can get based on your pledged security
| Security Type | Category | Max LTV | Interest Rate | Investments Continue? |
|---|---|---|---|---|
| Equity Mutual Funds | Large Cap / Blue Chip | 80% | 9.5–11% p.a. | Yes |
| Debt Mutual Funds | Liquid / Short Duration | 80% | 9.5–10.5% p.a. | Yes |
| Listed Shares (Group A) | NIFTY 50 / Approved List | 60% | 10–12% p.a. | Yes |
| Listed Shares (Group B) | Mid Cap / Small Cap | 50% | 11–13% p.a. | Yes |
| Bank Fixed Deposit | Scheduled Commercial Banks | 90% | 1–2% above FD rate | Yes |
| Corporate FD | AAA/AA Rated | 75% | 10.5–12% p.a. | Yes |
| Life Insurance Policy | Endowment / Money-back | 80% of Surrender Value | 10–11% p.a. | Yes |
Lower rates, no selling, your investments keep growing
Your pledged investments continue to earn returns — dividends, capital appreciation, and NAV gains are all yours.
Since your investments act as collateral, rates start as low as 9.5% — far cheaper than personal loans (10.5%+) or credit cards (36%+).
Once pledge is created, loan is disbursed within 24 hours. No lengthy appraisal process needed.
Get an overdraft account — draw only what you need and pay interest only on the amount used. Reduces interest cost significantly.
No income proof, no ITR — just KYC and your demat/folio details. Fastest loan processing experience.
Repay at any time without any foreclosure or prepayment charges. The moment you repay, pledge is released.
Calculate your monthly interest/EMI for loan against securities
Submit basic KYC and select securities to pledge
Portfolio assessed; eligible loan amount calculated
Units/shares marked as pledged in demat/folio
Overdraft/term loan account opened for you
Withdraw funds anytime from your account
LAS referrals are among the easiest to convert — customers with existing investments just need to pledge them. High ticket sizes mean great commissions for you with very little effort.
Your investments remain in your demat account or folio — you continue to own them. The only restriction is that you cannot sell the pledged units until the pledge is released. They continue earning returns, dividends, and capital appreciation as normal.
If your portfolio value drops significantly, the LTV (loan-to-value) ratio may breach the permitted limit. In such cases, the lender may issue a margin call — you'll need to either reduce the loan amount, pledge additional securities, or deposit cash. We keep you informed of approaching LTV thresholds.
No — pledged mutual fund units cannot be redeemed until the pledge is released. However, you can release the pledge partially or fully by repaying the corresponding loan amount, and then redeem the units. This gives you flexibility to manage your portfolio.
With an overdraft facility, a credit limit is set based on your pledged portfolio's value. You can withdraw any amount up to this limit and deposit back anytime. Interest is calculated only on the outstanding balance — saving you significant interest cost vs a term loan.
The minimum loan amount varies by lender — typically ₹50,000 to ₹1 Lakh. There is no fixed maximum, though typical LAS loans are in the ₹5 Lakh to ₹5 Crore range. High-value portfolios can unlock significantly higher limits.
Most equity, debt, and hybrid mutual fund schemes are eligible. ELSS (tax-saving) funds under lock-in, and liquid/overnight funds are generally not eligible. Specific approved scheme lists vary by lender — we help you identify eligible holdings.
Processing fees for LAS are typically lower than regular loans — usually 0.5% to 1% of the sanctioned amount. Some lenders charge zero processing fee for certain customer profiles. Pledge creation fee (if applicable) is typically nominal — around ₹500 to ₹2,000.
NRIs can get loans against Indian FDs (NRO/NRE) and in some cases against their demat holdings. Loans against NRE FDs are particularly popular as they carry even lower interest rates. Mutual fund pledges for NRIs depend on specific lender and scheme eligibility.
Your investments keep growing while you get the funds you need.
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