Unlock Liquidity
From Your Assets
Get instant funds against your shares, mutual funds, and bonds without selling them. Interest rates starting at 8.5% p.a.
Loan Against Securities Products
Get competitive rates and instant liquidity without selling your investments. Choose from our diverse range of LAS products.
Mutual Funds
Pledge equity, debt, hybrid, or ELSS mutual fund units for immediate capital.
Shares (Equity)
Unlock funds against NSE/BSE listed large-cap and approved mid-cap shares.
Insurance Policies
Leverage your life insurance policies (Endowment, Money-back, LIC Traditional).
Bonds
Secure a loan against your fixed-income corporate, PSU, or government bonds.
ETFs
Use Exchange Traded Funds (Gold, Nifty, Bank ETFs) as collateral for your loan.
Govt Securities
Get the lowest interest rates by pledging sovereign risk-free securities.
Calculate Your Loan Amount
Estimate your loan eligibility and monthly interest based on your current portfolio value.
Loan Summary
* Note: Loan limit is subject to the specific scrip's haircut & LTV ratios approved by the lender. Sell vs. Borrow assumes constant growth rate and interest rate, and simplifies tax implications. Actual returns may vary based on market conditions.
LAS Insights & Statistics
Understand how Loan Against Securities compares to other credit products and see the margins allowed across different asset classes.
Assets Pledged Safely
₹8,500+ Cr
Total value of securities pledged securely till date
Avg Interest Rate
9.5% p.a.
Starting rate for high-liquidity mutual funds & shares
LTV Limit (Max)
Up to 85%
Maximum Loan-to-Value allowed on debt/FD instruments
Digital Processing
< 4 Hours
End-to-end paperless setup for instant overdraft limit
Interest Rate Comparison Across Lending Products
Compare annual interest rates to see why borrowing against assets is much cheaper than unsecured options.
Digitized 5-Step Process
A simple, transparent, and fast process to get the funds you need against your securities.
Eligibility & Pledge Setup
Check haircut %, sign POA, link DEMAT account
Pledge Creation
Submit pledge request via CDSL/NSDL with TPIN approval
Sanction & Drawdown
Lender marks lien, sets limit, you withdraw funds instantly
Margin Monitoring
Auto daily LTV check; deposit cash or pledge more if margin call
Repayment & Closure
Pay interest on withdrawn amount, repay anytime, unpledge securities
Why It Makes Financial Sense
Borrowing against your securities is one of the smartest ways to raise capital while maintaining your wealth-building journey.
Uninterrupted Growth
Your investments continue to grow and earn dividends, bonuses, and interest while pledged. You don't have to sell your assets and miss out on future market gains.
Instant Liquidity
Get access to funds almost instantly. Perfect for covering sudden expenses or capturing time-sensitive investment opportunities without liquidating your portfolio.
Secure & Transparent
Your securities are pledged through official depositories (NSDL/CDSL). You retain full ownership and voting rights of your shares and mutual funds.
Cost-Effective Borrowing
Enjoy lower interest rates compared to unsecured loans like personal loans or credit cards, since your loan is fully backed by your financial assets.
How Do People Use LAS?
Loan Against Securities offers the ultimate flexibility. Once the limit is set, you can use the funds for virtually any legitimate purpose.
Medical Emergencies
Don't break your long-term investments during unexpected health crises. Access instant funds to cover hospital bills and medical expenses.
Business Expansion
Inject working capital into your business, purchase new equipment, or manage cash flow gaps without bringing in new equity partners.
Higher Education
Fund your child's overseas education or pay university fees easily while your portfolio continues compounding over the years.
Personal Goals
Whether it's a dream wedding, a home renovation, or a world tour, finance your personal milestones cost-effectively.
Eligibility Criteria
Check if you qualify for a Loan Against Securities in just a few simple steps.
Resident Indian
Individual, HUF, or Corporate entity
Eligible Securities
Own approved securities in Demat or folio
Valid PAN & KYC
Completed KYC with valid PAN card
Age 18+
Must be 18 years or older to apply
Why Pledge Instead of Sell?
Unlock the value of your portfolio to meet short-term cash needs without losing out on your long-term wealth creation.
Avoid Capital Gains Tax
Selling your profitable securities triggers taxable capital gains. Pledging allows you to access cash instantly without creating any tax liability.
Keep Your Dividends
Even though your shares are pledged as collateral, you retain full ownership and continue to receive all corporate benefits like dividends and bonuses.
Ride Market Growth
If the market goes up, the value of your pledged portfolio increases too. You don't miss out on any future capital appreciation while enjoying liquidity.
Understanding Margin Calls
Since the stock market is volatile, the value of your pledged securities may drop. If your portfolio value falls below the lender's required Loan-to-Value (LTV) ratio, a Margin Call is triggered.
How to fix a Margin Call?
- Pledge additional approved securities
- Deposit cash to reduce the outstanding loan amount
Approved Securities Only
To protect both you and the lender from extreme volatility, loans are only issued against a curated list of high-quality assets. Highly illiquid or volatile penny stocks cannot be pledged.
Documents Required
Keep these documents handy to ensure a smooth and accelerated loan approval process for your Loan Against Securities.
Category
Identity & Address (KYC)
Category
Portfolio & Securities
Category
Financials (For higher limits)
Category
Additional Forms
Why Choose Loan Against Securities?
Retain your wealth while accessing the funds you need. Our LAS solution offers unmatched flexibility and speed.
Maintain Portfolio
Continue earning returns, dividends, and bonuses on your investments.
Swift Disbursal
Digital application ensures funds reach your account within 24 hours.
Flexible Repayment
No foreclosure charges and ability to pay back at your convenience.
High Loan-to-Value
Get maximum value against your securities with up to 90% LTV depending on the asset.
Zero Prepayment Penalty
Prepay your loan anytime without any additional charges or hidden fees.
Multipurpose Funds
Use the funds for business expansion, personal needs, or emergency expenses.
Types of Lending Partners
We connect investors with a wide network of trusted lending institutions across India. Lender allocation depends on eligibility and portfolio.
Public Sector Banks
Private Sector Banks
NBFC Lenders
Specialized Lenders
LAS vs Personal Loans
See why pledging your investments is often a better choice than taking an unsecured personal loan.
| Feature | Loan Against Securities | Personal Loan |
|---|---|---|
| Interest Rates | Lower (Secured Loan) | Higher (Unsecured) |
| Repayment Structure | Flexible (Pay only interest) | Rigid EMIs |
| Credit Score Impact | Less strict requirements | Requires high CIBIL score |
| Disbursement Speed | Within 24-48 Hours | 2 to 5 Days |
Disclaimer: Infinity Arthvishva acts as a loan facilitator and connects borrowers with lending partners. Loan approval, interest rates, and terms are determined solely by the respective lender based on credit assessment.