Loan against Securities - Apply for Loan against Securities Online in India

Loan against Securities

Don't Sell your securities, Pledge them instead.

Don't Sell your securities,
Pledge them instead.

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Pay monthly interest as low as ₹833/lakh.

Type of Securities

Loan Against Mutual Funds

Loan against Mutual Funds, you offer your Mutual Fund units as collateral for the loan. The lender holds the Mutual Fund units as a security till you repay the loan amount. Your Mutual Funds will continue to earn returns, but you cannot redeem or sell them while you have pledged them to the lender.

Fully Digital Process

Best Interest Rate

Get Instant disbursal to your Bank Account

Retain Ownership

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Loan Against Shares

Loan Against Shares helps you avail loan by pledging your shares with DhanLAP, you can get a loan starting from ₹25,000 by pledging your shares to meet your personal needs.

You can get a loan of up to 50% of the present value of your shares.

Fully Digital Process

Best Interest Rate

Get Instant disbursal to your Bank Account

Retain Ownership

Apply Now

Loan Against Mutual Funds

Loan Against Shares

What is Digital Loan Against Securities

With a Digital Loan against Securities where you can avail of the loan by pledging your securities like mutual funds and shares as collateral. LAS is provided as an overdraft facility and is ideal for all your short to medium-term needs. The lender holds the Mutual Fund & Shares units as a security till you repay the loan amount. Your Mutual Funds & Shares will continue to earn returns, but you cannot redeem or sell them while you have pledged them to the lender.

You may borrow up to 50% of the value of your Equity Mutual Fund schemes in your portfolio. The value of your Mutual Fund scheme is derived by multiplying the number of units by the scheme's NAV. The total value of all Equity Mutual Fund schemes will be used to calculate your portfolio value.

You can get a loan of up to 50% of the present value of your shares.

We currently support only Brokers that are registered with NSDL

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Benefits of LAS

Loan Against Mutual Funds

Loan Against Shares

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Process of LAS

Loan Against Mutual Funds

Loan Against Shares

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LAS Calculator

How much will it actually cost?

With our overdraft facility you will pay Installment only on the amount that you choose to get disbursed

CHOOSE AMOUNT & TENURE

Interest 10%

Loan Amount ₹

Tenure

Estimated Installment

EMI

₹

8791

Balloon

₹

833

Maximum Annual Percentage Rate (APR): 10%

1. Example - Balloon Payment
-Principal Amount => ₹1,00,000
-Annual Interest Rate(APR) = 10%
-Tenure => 12 Months
-Pay only Interest for 12months = ₹833.33 x 12 = 10000. (The principal amount needs to be repaid at the end of the loan tenure)
-Processing Fee = ₹1000 + GST
-Stamp Duty = ₹20 + GST
-Total Loan Repayment Amount = ₹110000 (Principal and Interest)
-Total Cost of Loan = Interest Amount + Processing Fees + Stamp Duty = ₹10000 + ₹1000 + ₹20 = ₹11020 (Excluding GST)
For the loan against securities with a balloon payment, the borrower pays only the interest amount of ₹10000 for 12 months, and repays the principal amount of ₹1,00,000 at the end of the 12-month tenure, with a total loan repayment amount of ₹1,10,000 and a total cost of loan of ₹11,020 (excluding GST).

2. Example - EMI Payment
-Principal Amount => ₹1,00,000
-Annual Interest Rate(APR) = 10%
-Tenure => 12 Months
-EMI => Principal + Interest = ₹8791.59.
-Processing Fee = ₹1000 + GST
-Stamp Duty = ₹20 + GST
-Total Loan Repayment Amount = ₹105499 (Principal and Interest)
-Total Cost of Loan = Interest Amount + Processing Fees + Stamp Duty = ₹10000 + ₹1000 + ₹20 = ₹11020 (Excluding GST)
For the loan against securities with EMI payment, the borrower repays the loan in equal monthly installments of ₹8,791.59 for 12 months, with a total loan repayment amount of ₹1,05,499 and a total cost of loan of ₹6,519 (excluding GST), including processing fees and stamp duty.

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ELIGIBILITY

You should be between 18 and 65 years of age

Your entire portfolio should not be less than ₹50,000

Joint holders are not eligible for a loan

You should be an Indian resident

ELIGIBILITY

You should be between 18 and 65 years of age

Your entire portfolio should not be less than ₹50,000

Joint holders are not eligible for a loan

You should be an Indian resident

DOCUMENTS REQUIRED