Who is eligible for a loan against securities from Tata Capital?

The eligibility criteria for a loan against securities from Tata Capital are as follows: Age: 18 to 70 years, varies from one lender to another; some lenders may give an upper limit of 90 years Residency status: Indian. Employment type: Salaried employees, self-employed individuals, partnerships or public/private companies, trusts, proprietorship firms Demat account and collateral specifications: You must hold approved securities in a Demat or mutual fund account. The securities must be with recognized depositories (NSDL/CDSL) or transfer agents (CAMS, KFIN) Anyone meeting the above eligibility criteria is eligible for a Tata Capital loan against securities.

What types of securities can I pledge for a loan against securities?

You can pledge the following types of financial instruments for a loan against securities: Equity shares belonging to publicly traded companies included in the lender’s approved list Mutual funds Exchange-traded funds (ETFs) Demat shares Bonds such as government securities, Non-Convertible Debentures (NCDs)

What are Tata Capital’s current interest rates & charges for a loan against securities?

Tata Capital’s interest rates for a loan against securities starts from 9.5% to 14% depending on the quality and quantity of securities pledged: Processing fee Stamp duty Lien creation charges Lien invocation/revocation charges Annual maintenance/renewal charges Repossession/liquidation charges

What documents are required for a loan against securities application?

The documents required, along with a duly filled and signed loan against securities application, are as follows: KYC documents - identity proof, address proof, signature proof Pledge form for pledge creation Latest statement of holdings for mutual funds Income proof - IT returns, audited balance sheets, profile & loss accounts for the past 2 years if applying as a company, proprietorship, or partnership firm

What is the application process for a loan against securities?

Here’s the step-by-step process to apply for a loan against securities online: Visit the dedicated loan against securities page. Click on ‘Apply Now’ to start the process. Fill out the application form and submit the required KYC documents. Select the security you want to pledge. Await document verification and credit assessment. Receive approval from the lender. Get the overdraft limit in your bank account. To apply for the loan offline, you can visit the nearest Tata Capital branch.

Home
Loan Against Securities

Loan Against Shares

Loan Against Shares up to ₹40 Crores*
Zero Foreclosure & Pre-Payment Charges

High Loan Amount of up to 70% of Security Value

Overview

Get Loan Against Securities

Overview Required Documents Rates & Charges Repayment

Loan Against Securities - Quick Highlights

Need funds without liquidating your investments? With a Loan Against Securities (LAS), you can unlock the value of your shares without giving up ownership. At Tata Capital, you can avail a loan against shares, mutual funds, bonds, or debt securities at attractive interest rates and zero foreclosure charges. Get access to loan amounts up to ₹40 crores while your assets continue to earn returns. Meet your financial goals with Tata Capital’s seamless Loan Against Securities Online facility. Whether it’s a loan against equity shares or mutual funds, enjoy instant liquidity without compromise.

Disclaimer: Loans are at the sole discretion of Tata Capital Limited (TCL). T&C apply.

Loan Amount

Offline Channel:
₹ 75,000 - ₹ 40 crores

Digital Channel:
₹ 25,000 - ₹ 5 crores

Loan Tenure

Upto 72 months

Know more about our Rates & Charges.

Click here.

Loan Against Shares Interest Rates, Fees & Charges

Type of Charge	Applicable Rate
Rate of Interest	9.5% to 14%* *Depending on loan amount and quality of securities
Nonrefundable Processing fees (in Rupees)	Up to 3% of the loan amount + GST (mentioned in the loan agreement, varies from partner to partner)
Stamp Duty (in Rupees)	At Actual
Document Processing Charges (in Rupees)	Nil
Pledge Charges -LAS	Nil
Lien creation charges-LAS-MF	Rs 350 per RTA (Registrar and Transfer Agent) per Lien creation
Lien Invocation/Revocation Charges-LAS-MF	Rs 100 per RTA (Registrar and Transfer Agent) per Lien Invocation/Revocation

*Terms & Conditions apply.

Avail TATA Capital loans directly from WhatsApp

Apply via WhatsApp

Documents Required To Avail Loan Against Shares

Online Journey

PAN & Aadhaar Card details
Mobile No. linked to Aadhaar card

Offline Journey

PAN CARD
ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
SIGNATURE : Pan card / Passport / Banker sign verification

ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
SIGNATURE : Pan card / Passport / Banker sign verification

Any two of Following (Should contian address on the documents)

Registration Certificate
Certificate/ license issued by the Municipal authorities under Shop & Establishment Act
CST/VAT/GST Certificates
Complete Income Tax Return in the name of the sole proprietor with Firm Income
Sales and Income tax returns

ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
SIGNATURE : Pan card / Passport / Banker sign verification
Partnership Deed
Registration Certificate (only in case of registered Partnership Firms)
PAN of the partnership firm
LLP Resolution (if LLP)
Authority Letter from Partners

ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
SIGNATURE : Pan card / Passport / Banker sign verification
Certificate of Incorporation
Memorandum & Articles of Association
PAN of the Company
Board Resolution

ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
SIGNATURE : Pan card / Passport / Banker sign verification
Registration Certificate
Trust Deed
PANCARD of Trust
Trust Resolution

ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID ;
SIGNATURE : Pan card / Passport / Banker sign verification
Hindu Undivided Family Letter (Annexure 2) signed by All Co-parceners
PAN Card of HUF
Bank Statement of HUF as a Address Proof
CA Certified Letter confirming all Co-parceners
HUF Authorisation letter signed by All Co-Parceners

How to Apply for Loan Against Securities?

Online

Get swift access to funds by applying for a Loan Against Securities through our online application process. In fact, if you don’t have the time to finish the application, we may call you to assist you with the process.

Apply Now

Virtual Assistant

Why waste your precious time waiting for a response? We get you real-time answers to all your queries with our 24/7 virtual assistant.

Steps to apply

Visit our branch and talk to our lending expert to avail a loan.

Locate a Branch

Features for Loan Against Shares

Tata Capital’s Loan Against Securities allows you to leverage your investments for financial needs without liquidating them. Here are the key features:

High Loan Amounts

At Tata Capital, we offer substantial loan amounts against your securities. Through our offline channel, you can avail of loans ranging from Rs. 75,000 to Rs. 40 crores, while our digital channel offers loans from Rs. 25,000 to Rs. 5 crores. This flexibility ensures significant financial leverage without the need to sell your investments.

Attractive Interest Rates

We offer attractive interest rates, starting from 9.5% to 14%, depending on the quality and quantity of securities pledged.

Multiple Securities Accepted

We accept various forms of securities for loan against securities, including company stocks, mutual funds, bonds, and other debt securities. However, each type of asset has specific documentation requirements. Therefore, it is advisable to consult with our representative before applying for a hassle-free process.

Zero Foreclosure Charges

Our Loan Against Securities comes with zero convenience fees, zero prepayment charges, and no foreclosure charges. This allows you to repay your loan anytime without incurring additional costs, offering greater financial flexibility.

Payment via Cheque/NEFT/RTGS

Tata Capital provides various repayment options for your LAS. You can make interest payments via cheque, demand draft, or pay order. We have also implemented NACH/E-NACH facilities, allowing you to set up automatic debits for your interest payments, ensuring a smooth and hassle-free repayment process.

Quick Disbursement

We understand the urgency of financial needs, which is why we ensure a quick turnaround time of one to two days for fund disbursement once your application is approved. This prompt service helps you address your financial requirements without delay.

Interest Only on Actual Amount Used

This account allows you to withdraw funds as needed, with interest charged only on the amount you use, not the entire loan limit. This ensures you only pay for what you use, offering a cost-effective borrowing solution.

Digital and Paperless Process

Our loan application process is entirely digital and paperless, making it highly convenient and hassle-free. You can apply online, submit your documents digitally, and track your application status in real time.

Dedicated Customer Support

Tata Capital offers dedicated customer support to assist you throughout the loan process. Whether you have questions about the application, disbursement, or repayment, our customer support team is always ready to help.

Secure Transactions

We prioritise the security of your transactions. All your personal and financial information is protected with advanced security measures, ensuring peace of mind throughout the loan process.

Important RBI /Regulatory Updates

Legal Identity Identifier (LEI) : If a non-individual borrower has an aggregate exposure of Rs. 5 crore and above from banks and financial institutions, then that borrower shall be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized Local Operating Unit (LOU) within the timelines mentioned below as per different exposure brackets shall not be sanctioned any new exposure nor shall they be granted enhancement of any existing exposure.

Total Exposure	LEI to be obtained on or before
Above Rs.25 Cr	April 30, 2023
Above Rs.10 Cr upto Rs.25 Cr	April 30, 2024
Rs.5 Cr and above, upto Rs.10 Cr	April 30, 2025

Popular FAQs

A Loan Against Securities (LAS) is availed by pledging financial securities, such as mutual funds, shares, bonds, or life insurance policies, as collateral. The lender sanctions an overdraft limit based on the securities’ market value. Interest is charged only on the amount withdrawn and for the duration of use. You can liquidate the pledged securities when required and continue to earn returns on them.

Here are the key benefits of taking a loan against securities from Tata Capital:

Retained ownership: Continue to hold the securities and earn dividends and bonuses on them.
Quick liquidity: Access to funds without selling the securities.
Flexible usage: Funds can be used for personal or business needs without restrictions.
Affordable interest rates: Usually lower than unsecured loans like personal loans or credit cards.
Cost-effective: Interest is charged only on the amount used, not the entire limit.

The eligibility criteria for a loan against securities from Tata Capital are as follows:

Age: 18 to 70 years, varies from one lender to another; some lenders may give an upper limit of 90 years
Residency status: Indian.
Employment type: Salaried employees, self-employed individuals, partnerships or public/private companies, trusts, proprietorship firms
Demat account and collateral specifications:
- You must hold approved securities in a Demat or mutual fund account.
- The securities must be with recognized depositories (NSDL/CDSL) or transfer agents (CAMS, KFIN)

Anyone meeting the above eligibility criteria is eligible for a Tata Capital loan against securities.

The minimum age to take a loan against securities is either 18 years or 21 years, depending on the specific lender’s eligibility criteria.

You can pledge the following types of financial instruments for a loan against securities:

Equity shares belonging to publicly traded companies included in the lender’s approved list
Mutual funds
Exchange-traded funds (ETFs)
Demat shares
Bonds such as government securities, Non-Convertible Debentures (NCDs)

Yes, your equity shares and other securities must be in Demat form. It facilitates pledge creation, ensures proper handling and safety of collateral, and enables real-time valuation.

Tata Capital’s interest rates for a loan against securities starts from 9.5% to 14% depending on the quality and quantity of securities pledged:

Processing fee
Stamp duty
Lien creation charges
Lien invocation/revocation charges
Annual maintenance/renewal charges
Repossession/liquidation charges

There are no charges if no overdraft limits are used. However, you may need to pay annual maintenance or renewal charges of up to 3% of the loan amount, even if the sanctioned limit is not fully used.

At Tata Capital, you can get a minimum loan of Rs. 75,000 and a maximum loan of Rs. 40 crores in the offline channel. In the digital channel, you can get a minimum amount of Rs. 25,000 and a maximum of Rs. 5 crores. The quality and quantity of securities pledged determine the amount of money sanctioned.

The typical tenure for a loan against securities is 1 year, with renewal options available upon expiry. You can extend the tenure to up to 72 months. Loan interest is payable monthly, while the principal is to be repaid at the end of the tenure.

The documents required, along with a duly filled and signed loan against securities application, are as follows:

KYC documents - identity proof, address proof, signature proof
Pledge form for pledge creation
Latest statement of holdings for mutual funds
Income proof - IT returns, audited balance sheets, profile & loss accounts for the past 2 years if applying as a company, proprietorship, or partnership firm

Here’s the step-by-step process to apply for a loan against securities online:

Visit the dedicated loan against securities page.
Click on ‘Apply Now’ to start the process.
Fill out the application form and submit the required KYC documents.
Select the security you want to pledge.
Await document verification and credit assessment.
Receive approval from the lender.
Get the overdraft limit in your bank account.

To apply for the loan offline, you can visit the nearest Tata Capital branch.

You can expect approval and disbursal for digital applications in 24 to 48 hours and for physical processes in 3 to 5 working days after full documentation and pledging.

After approval, the loan amount is set up as an overdraft facility or a hybrid term loan against your pledged securities. You can withdraw funds as needed up to the sanctioned limit.

Margin call is when the value of pledged securities declines beyond a threshold. This threshold is the lender’s acceptable loan-to-value ratio. If your pledged securities drop below the threshold, you may have to either pledge more securities or repay part of the loan.

The loan against securities EMI calculator helps in estimating monthly instalments on your loan with basic inputs such as loan amount, interest rate, and tenure. It helps in identifying the most economical loan option.

Yes, most lenders allow adding or swapping securities during the loan tenure as long as they fall under the lender’s approved list. Adding more securities increases your potential to withdraw funds, while swapping securities optimizes your pledged portfolio without affecting your overall borrowing limit.

You can pledge your securities or the securities of a blood relative above 18 years of age. Blood relatives include spouse, parents, children, and blood siblings. The relative must be a co-applicant for the loan.

A loan against securities is a secured loan with financial instruments pledged as collateral. Thus, a personal guarantor is not required, unless the borrower’s financial profile is weak.

Yes, you can pre-pay or foreclose a loan against securities. At Tata Capital, there are zero pre-payment charges and no foreclosure charges.

The monthly accumulated interest can be auto-debited from your LAS account if you have activated the mandate. Ensure you maintain adequate funds before the due date. Alternatively, you can manually deposit the interest via online banking (NEFT/RTGS) or other digital payment options.

LTV is the percentage of the security’s value that can be borrowed. It varies by security type. The RBI has mandated a limit of up to 50% for listed shares and mutual funds. The LTV for bonds and securities also varies based on their credit rating, liquidity, and risk profile.

Yes. The securities, despite being pledged, remain in your name, and you are entitled to benefits like dividends, interests, bonuses, and rights issues. However, selling or transferring the securities is not permitted till you repay the loan or adjust the margin.

Generally, lenders revalue the pledged securities portfolio daily based on market prices. This ensures your Loan-to-Value ratio is continuously monitored. If the values fall below the threshold, a margin call is raised to maintain adequate security coverage, and you must add more securities to your account.