Loan against Securities

Don't Sell your securities, Pledge them instead.

Don't Sell your securities,
Pledge them instead.

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

Apply Now

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

Apply Now

Download Our App

Get loan in 15 minutes

Process of LAS

Loan Against Mutual Funds

Loan Against Shares

Apply Now

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.

Frequently Asked Questions

What is Loan Against Securities?

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What is the eligibility criteria to apply for a 'Loan Against Securities'?

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What is the interest rate of loan against securities at DhanLAP?

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How to avail loan against securities?

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What is the LTV/Loan to Value for Loan against Securities?

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Can I pledge any shares or mutual fund units of my choice?

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What is the minimum and maximum loan a customer can get through Loan Securities?

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What steps should I take if I encounter an error during the Loan against securities account opening process?

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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

(This is an end-to-end digital process. Hence, no physical documents are required to be submitted.)

Aadhaar number

PAN Number

Bank IFSC code

Bank Account number

phone_in_talk

Mobile number associated with
your Aadhaar & Bank account

DOCUMENTS REQUIRED

(This is an end-to-end digital process. Hence, no physical documents are required to be submitted.)

Aadhaar number

PAN Number

Bank IFSC code

Bank Account number

phone_in_talk

Mobile number associated with
your Aadhaar & Bank account

Charges

We are transparent about our charges

Loan Against Mutual Funds

Loan Against Shares

OUR LENDING PARTNERS

Apply for Loan against Securities

Our vision is to provide customers with the most efficient way of managing their assets to get more out of it.

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DhanLAP, dhanlap.com are brand and product of Ark Neo Financial Services Pvt. Ltd.

About

Loan against Securities Loan against Mutual Funds Loan against Shares List of AMCs Contact Us Press Release

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Legal

Loan against Securities

Don't Sell your securities, Pledge them instead.

Don't Sell your securities, Pledge them instead.

Type of Securities

Loan Against Mutual Funds

Loan Against Shares

Loan Against Mutual Funds

Loan Against Shares

Loan Against Mutual Funds

Loan Against Shares

What is Digital Loan Against Securities

Benefits of LAS

Loan Against Mutual Funds

Loan Against Shares

15 mins process

Fully Digital Process

Loan Tenure

Get Instant disbursalto your Bank Account

Best Interest Rate

Retain Ownership

Preclosure charges

Flexible Repayments

All AMCs Covered

15 mins process

Best Interest Rate

Loan Tenure

Get Instant disbursalto your Bank Account

Fully Digital Process

Preclosure charges

Flexible Repayments

Approved Shares

Download Our App

Get loan in 15 minutes

Process of LAS

Loan Against Mutual Funds

Loan Against Shares

Signup

Verification

Select Mutual Funds

Bank Verification

Video KYC

Lien marking

Read & Sign loan agreement

Overdraft or Immediate disbursal

Signup

Verification

Select the Shares

Pledge

Bank Verification

Video KYC

Read & Sign loan agreement

Overdraft or Immediate disbursal

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%

Estimated Installment

EMI

Balloon

Maximum Annual Percentage Rate (APR): 10%

Frequently Asked Questions

ELIGIBILITY

ELIGIBILITY

DOCUMENTS REQUIRED

(This is an end-to-end digital process. Hence, no physical documents are required to be submitted.)

DOCUMENTS REQUIRED

(This is an end-to-end digital process. Hence, no physical documents are required to be submitted.)

Charges

We are transparent about our charges

Loan Against Mutual Funds

Loan Against Shares

Minimum loan amount ₹ 25,000

Loan Tenure 6 months to 24 months

Interest rate Flat 10% p.a (on utilized amount)- You can opt for overdraft facility. And pay installments only on utilized amount.

Processing Fee 1.5% 1%*- For e.g. You’ll pay ₹ 500 for ₹ 50,000 loan amount.

ONE-TIME LIEN MARKING CHARGES

ONE-TIME LIEN MARKING CHARGES

Stamp Duty ₹20 + ₹3.6 GST

CAMS Lien marking charges ₹500 + ₹90 GST- Charged only if you lien mark funds managed by CAMS

Don't Sell your securities,
Pledge them instead.

Get Instant disbursal
to your Bank Account

Get Instant disbursal
to your Bank Account

Minimum loan amount
₹ 25,000

Loan Tenure
6 months to 24 months

Interest rate
Flat 10% p.a (on utilized amount)- You can opt for overdraft facility. And pay installments only on utilized amount.

Processing Fee
1.5% 1%*- For e.g. You’ll pay ₹ 500 for ₹ 50,000 loan amount.

Stamp Duty
₹20 + ₹3.6 GST

CAMS Lien marking charges
₹500 + ₹90 GST- Charged only if you lien mark funds managed by CAMS

KFintech Lien marking charges
₹300 + ₹54 GST- Charged only if you lien mark funds managed by KFintech

PREPAYMENT CHARGES
(By prepaying your Installments can be reduced)

PREPAYMENT CHARGES
(By prepaying your Installments can be reduced)

Upto 3 Months:
3% of Prepayment amount

3 months 1 day to 6 months:
2% of Prepayment amount

More than 6 months
NIL

Annual charges
NIL

Withdrawal charges
NIL

Collection charges
NIL

Minimum loan amount
₹ 25,000

Loan Tenure
6 months to 24 months

Interest rate
Flat 10% p.a (on utilized amount)- You can opt for overdraft facility. And pay installments only on utilized amount.

Processing Fee
1.5% 1%*- For e.g. You’ll pay ₹ 500 for ₹ 50,000 loan amount.

Stamp Duty
₹20 + ₹3.6 GST

NSDL Pledging Charges
0.02% + GST- Charged 0.02% of the total pledging amount + GST by NSDL

PREPAYMENT CHARGES
(By prepaying your Installments can be reduced)

PREPAYMENT CHARGES
(By prepaying your Installments can be reduced)

Upto 3 Months:
3% of Prepayment amount

3 months 1 day to 6 months:
2% of Prepayment amount

More than 6 months
NIL

Annual charges
NIL

Withdrawal charges
NIL

Collection charges
NIL