Unlock Liquidity Without Selling Your Shares
Access structured funding against your listed equity portfolio with fast digital pledge processing, flexible repayment options and market-linked lending solutions.
50%
Indicative LTV Ratio
9%–14%
Competitive Interest
Listed Stocks
Approved Securities Only
24–48 Hrs
Quick Processing
Loan Against Shares: Overview & Lending Framework
Understand how structured equity financing allows retail and institutional investors to unlock liquidity while maintaining long-term market positions.
Core Fundamentals
Continue Holding Investments
Investors can unlock liquidity while remaining invested in their equity portfolio and participating in potential market growth.
Shares Pledged as Collateral
Approved listed securities are generally pledged through a Demat-linked process while ownership remains with the investor.
Faster Access to Liquidity
LAS structures are commonly used for quick liquidity needs, short-term funding requirements and financial flexibility.
Retail-Focused Lending
This product is generally suitable for salaried individuals, traders, investors and self-employed professionals with equity holdings.
Structured Liquidity Against Equity Holdings
Loan eligibility, LTV ratio and lending terms may vary based on portfolio quality, approved securities, market volatility and lender assessment policies.
Lending & Risk Framework
Market-Linked Collateral Valuation
Portfolio value is typically assessed using live market pricing, liquidity profile and internal lender-approved security classifications.
Exposure & Concentration Monitoring
Lenders may evaluate sector exposure, single-stock concentration and volatility risk before determining funding limits.
Margin Maintenance Framework
Loan structures may include margin monitoring mechanisms to manage fluctuations in collateral value during market movements.
Bank & NBFC Risk Policies
Final lending terms generally depend on approved securities, internal credit policies and lender-specific underwriting guidelines.
Indicative Funding Capability
Retail to High-Value Funding Capability
Funding structures may support both individual liquidity requirements and larger portfolio-backed borrowing needs subject to collateral quality and lender assessment.
₹5 Lakhs – ₹25+ Crores
Indicative ticket size range depending on portfolio strength and lender approval.
Up to 50% LTV Ratio
Indicative lending ratio based on approved securities and market risk profile.
How Your Portfolio is Assessed for Loan Approval
Loan Against Shares approval is primarily driven by portfolio quality, liquidity depth, and risk concentration across eligible securities.
Liquidity Analysis
Highly liquid stocks with strong trading volume are preferred for better loan eligibility.
Market Capitalization Filter
Large and mid-cap securities are prioritized due to stable valuation behavior.
Concentration Risk
Overexposure in a single stock or sector may reduce eligible loan value.
Volatility Scoring
Stable price movement stocks receive higher collateral efficiency.
Portfolio Quality Score Model
Lenders assign an internal score based on liquidity, volatility, diversification and performance.
- ✔ Higher score = Higher LTV eligibility
- ✔ Diversified portfolio preferred
- ✔ Blue-chip dominance improves approval chances
Dynamic Risk Adjustment System
Portfolio valuation is continuously monitored with real-time risk adjustments.
- ✔ Real-time mark-to-market valuation
- ✔ Automated margin tracking
- ✔ Risk-based alerts system
Eligibility Criteria & Approval Snapshot
Unified view of detailed eligibility parameters and quick approval indicators for Loan Against Shares qualification assessment.
Applicant Type
Resident individuals including salaried, self-employed and investors.
Demat Account
Active demat account with eligible listed equity securities required.
Approved Securities
Lender-approved liquid listed equities only considered for pledge.
Financial Profile
Stable credit behavior and basic financial compliance preferred.
Quick Eligibility Snapshot
₹50,000+
Minimum Portfolio Value
Listed
Approved Equity Type
12–36M
Loan Tenure Range
Fast Track
Pre-approved Profiles
Approval Probability Engine
Approval chances increase significantly with diversified, liquid and lender-aligned portfolios.
- ✔ Higher liquidity improves eligibility score
- ✔ Diversified holdings reduce risk weight
- ✔ Blue-chip exposure improves approval speed
Key Features of Loan Against Shares
Structured features designed for liquidity, flexibility, and efficient leverage of your equity portfolio without liquidating long-term investments.
| Feature | Details |
|---|---|
| Liquidity Access | Instant funds without selling your shares |
| Collateral Type | Approved listed equity securities |
| Loan Nature | Secured revolving / overdraft facility |
| Usage Flexibility | Business, personal or investment needs |
| Ownership | Full ownership retained by borrower |
Why Borrow Against Shares?
Access capital instantly while your investments continue to remain invested in the market, allowing dual benefit of liquidity + market participation.
- ✔ No liquidation of long-term holdings
- ✔ Lower cost vs unsecured loans
- ✔ Flexible repayment structure
- ✔ Continuous market exposure
Loan Against Shares Calculator
Enter exact values manually for accurate lender-level estimation.
End-to-End Loan Processing Journey
A transparent 4-step process to help you unlock liquidity against your equity portfolio in a secure and structured manner.
Portfolio Evaluation
Your demat holdings are analyzed based on approved securities, liquidity, and lender eligibility norms.
Eligibility Assessment
LTV ratio, risk category, and borrower profile are evaluated to determine maximum loan eligibility.
Pledge Creation
Approved shares are pledged digitally with the lender while ownership remains with the borrower.
Loan Disbursement
Loan amount is credited directly to your bank account, typically within 24–48 hours after approval.
Ready to unlock liquidity from your portfolio?
Get LAS OffersLoan Against Shares: Benefits, Audience & Documents
Everything you need to know about unlocking liquidity from your equity portfolio with transparency, speed, and zero friction.
Platform Advantages
Fast Disbursal
Get approved and funded within 24–48 hours depending on portfolio verification.
Higher LTV Access
Access competitive LTV ratios based on approved listed securities and risk profile.
Secure Pledge System
Shares remain in your Demat account while securely pledged with the lender.
Lower Interest Options
Competitive interest rates starting from lender-approved risk-based pricing models.
Revolving Credit Facility
Withdraw and repay flexibly like an overdraft without closing the loan account.
Fully Digital Process
End-to-end digital journey from eligibility check to loan disbursement.
Target Audience & Use Cases
Active Equity Investors
Investors who want short-term liquidity while continuing to stay invested in the equity market.
Business Owners
Entrepreneurs needing working capital support without selling long-term investment portfolios.
Self-Employed Professionals
Professionals requiring flexible funds for expansion, operations or personal financial needs.
Portfolio Holders
Individuals holding large equity portfolios who prefer leverage instead of liquidation.
Short-Term Borrowers
Users needing quick liquidity for time-sensitive opportunities or obligations.
Reinvestment Strategy Users
Investors who want to leverage capital for new investments without breaking existing positions.
Verification Checklist
Identity Proof
PAN Card (mandatory) and accepted government ID / Passport / Driving License for verification.
Address Proof
Utility Bill, accepted ID, Passport or latest bank statement as residential verification.
Demat & Portfolio Statement
Active Demat account statement showing holdings of approved listed securities (NSDL / CDSL / broker report).
Bank Account Proof
Cancelled cheque or recent bank statement for loan disbursement setup.
Loan Application Form
Duly filled application form with borrower consent and declaration.
Unlock Liquidity From Your Stock Portfolio Today
Get instant access to funds without selling your long-term equity holdings. Start your loan application in just a few minutes.
Start Your Application
Check eligibility & get instant loan estimate.
Frequently Asked Questions
Quick answers to commonly asked questions about Loan Against Shares.
What is Loan Against Shares?
A secured loan where shares are pledged as collateral without selling them.
Do I lose ownership of shares?
No, ownership remains with you. Only a pledge is created.
What is the maximum LTV?
Typically up to 50% depending on stock quality and lender policy.
What is the interest rate?
Usually ranges from 9.5% to 16% depending on risk profile.
How fast is disbursement?
Generally within 24–48 hours after approval and pledge creation.
Can I sell pledged shares?
No, pledged shares cannot be sold until loan closure or release.
Is credit score affected?
No impact unless repayment default occurs.
Is EMI mandatory?
No, usually interest-only repayment or overdraft structure is used.
Which shares are eligible?
Only approved listed securities as per lender eligibility list.
Can I prepay loan early?
Yes, most lenders allow prepayment with minimal or zero charges.
Is Demat account mandatory?
Yes, an active Demat account is required for pledge creation.
What happens in market fall?
Margin calls may be triggered if portfolio value drops significantly.