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Key Features of Our Loan Against Shares

  • Loan Amount: Up to 70-80% of the market value of the shares you pledge.
  • Flexible Tenure: Repayment period can range from 6 months to 5 years, offering flexibility.
  • Competitive Interest Rates: Starting from 10% p.a., ensuring an affordable repayment plan.
  • Quick Processing: Minimal documentation and fast approval process for speedy access to funds.
  • No Prepayment Penalties: Pay off your loan early without any additional charges.
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Types of Loan Against Shares We Offer

  • Short-Term Loan Against Shares: Ideal for those looking to access funds for a short period, such as for urgent personal or business needs.
  • Long-Term Loan Against Shares: For those seeking a longer repayment period to maintain financial flexibility while leveraging their investment portfolio.
  • Overdraft Facility Against Shares: A flexible credit line where you can withdraw funds as needed, paying interest only on the utilized amount, ideal for managing cash flow efficiently.
  • Loan Against Mutual Funds & Bonds: Apart from shares, you can also leverage mutual funds and bonds to secure a loan, providing broader financing options while retaining investment growth potential.
Who We Are

Eligibility Criteria for Loan Against Shares

To qualify for a Loan Against Shares, whether you are salaried, self-employed, or a business owner, you must meet the following criteria:

  • Age: 21 to 65 years.
  • Shares Owned: You must own shares listed on a recognized stock exchange.
  • Income Proof: Stable income (minimum ₹15,000 for salaried individuals and ₹25,000 for self-employed).
  • Credit Score: A higher credit score may result in better loan terms, but a good credit history is generally preferred.
  • Loan Amount: Based on the value of the shares you pledge and your financial profile.

Documents Required for Loan Against Shares

The documents required for a Loan Against Shares are straightforward:

  • KYC Documents: PAN Card, Aadhar Card, Passport, or Voter ID.
  • For Salaried Individuals: Latest 3-6 months salary slips or bank statements.
  • For Self-Employed Individuals: Last 2 years Income Tax Returns (ITR) or business financial statements.
  • Bank Statements: Last 3-6 months to verify financial stability.
  • Shareholding Proof: Demat account statement showing the number and value of shares you wish to pledge.
  • Residence Proof: Utility bills, rental agreement, or government-issued documents.

Why Choose Login to Loans for Your Loan Against Shares?

  • Quick and Simple Process: Fast approval with minimal documentation for quick access to funds.
  • Competitive Interest Rates: Affordable loan rates starting from 10% p.a. for easy repayments.
  • Flexible Loan Tenure: Choose repayment terms ranging from 6 months to 5 years based on your financial needs.

How to Apply for a Loan Against Mutual Funds?

  • Step 1: Check your eligibility online or visit our nearest branch.
  • Step 2: Submit your KYC documents, income proof, and shareholding details.
  • Step 3: Get approval for the loan and finalize the terms.
  • Step 4: Receive the funds directly into your account or as per the loan agreement, typically within 24-48 hours.
Conclusion on Loan Against Shares (LAS)

A Loan Against Shares (LAS) is an effective way for investors to unlock the value of their stock holdings without selling them. It provides access to quick liquidity for business expansion, personal needs, or financial emergencies while allowing borrowers to retain ownership of their shares and benefit from market appreciation.
One of the major advantages of LAS is its relatively lower interest rates compared to unsecured loans, as it is a secured loan backed by pledged shares. Additionally, it offers flexible repayment options, making it a convenient borrowing solution for individuals looking to leverage their investments without disturbing their long-term financial goals.