Flowers MFD
AMFI Registered Mutual Fund Distributor
If you wish to explore Loan Against Securities
feel free to contact us. We will guide you through the process and help you use your investments wisely for your financial needs.
Loan Against Securities
(LAS )
LAS (Loan Against Securities) is a type of loan where you pledge your existing investments (like Mutual Funds, Shares, Bonds, ETFs) as collateral to get a loan from the bank or NBFC without selling them.
What is Loan Against Securities (LAS)?
Loan Against Securities is a facility where you can pledge your existing investments like Mutual Funds, Shares, Bonds, or ETFs as collateral to get a loan. You don’t have to sell your investments, and you continue to earn dividends and potential capital gains during the loan period.
Have you ever needed quick funds but didn’t want to disturb your long-term investments?
Loan Against Securities (LAS) can help you meet your financial needs while allowing your investments to grow.
Benefits of Loan Against Securities (LAS):
Quick Access to Funds
Get liquidity when needed without breaking your investments.
Retain Ownership
Your investments stay in your name while you use the funds.
Lower Interest Rates
LAS often comes at a lower interest rate compared to personal loans
Interest on Utilized Amount
Interest is charged only on the amount you use, reducing your cost.
Flexible Repayment
You can repay partially or fully at your convenience
How Much Can You Get?
You can get up to 50–80% of the value of your pledged securities as a loan, depending on the security type and the lender’s terms.
When Should You Use LAS?
For business working capital needs
To manage emergencies or medical expenses
To fund educational needs or travel plans
To avoid selling your investments during market downturns
You can learn more about the SEBI guidelines on loans against mutual funds to understand the regulations protecting investors
LAS is a smart option for investors who need liquidity while continuing their investment journey. It helps you stay invested and disciplined towards your long-term goals while providing the flexibility of funds whenever required.
"Mutual fund investments are subject to market risks, read the offer document carefully before investing."
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