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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):
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