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Overview Required Documents Rates & Charges Repayment

List of Documents Required for Loan Against Securities
 

  • PAN CARD
  • ID : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar Card / Passport / Driving Licence/ Voter ID
  • SIGNATURE : Pan card / Passport / Banker sign verification
  • ID : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar 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 : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar 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 : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar 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 : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar Card / Passport / Driving Licence/ Voter ID
  • SIGNATURE : Pan card / Passport / Banker sign verification 
  • Registration Certificate
  • Trust Deed
  • PANCARD of Trust
  • Trust Resolution
  • ID : Adhar Card / Passport / Driving Licence/ Voter ID
  • ADDRESS : Adhar 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
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How to Apply for Loan Against Securities?
 

How to Apply for Loan Against Securities Offline?

  • Branch

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

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How to Apply for Loan Against Securities Online?

  • 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.

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  • 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.

Popular FAQs

How do I submit all necessary loan application documents?

It is very easy for you to submit all your necessary loan application documents, as Tata Capital offers you many ways. You can either submit it offline or online. If you are submitting offline, you can directly visit one of our nearest branches and speak to a representative to submit your documents. If you are applying online, then you can visit our website and submit your documents. If you need clarification or find yourself stuck, you can call an expert or speak to one of our virtual assistants to assist you with the process.

    You can also submit your documents via Whatsapp by sending a message to 7506756060. Here are some of the documents required for a loan against securities:

    • PAN card
    • ID proof such as an Aadhaar card, passport, driving license, Voter ID
    • Address proof such as an Aadhaar card or rental agreements
    • Signed verification documents such as your lender verification documents or signed PAN card


    While this gives an overview of the documents required for loans against securities, the requirements differ based on who needs the loan, such as an individual or a company. 

Can I utilise mutual funds to secure a Loan Against Securities?

Yes, you can utilise mutual funds to secure a loan against securities. Tata Capital offers you the convenience of utilising not just your mutual funds to secure loans but other products as well. In addition to mutual funds, you can also use company stocks and bonds to pledge as assets to secure LAS. But all of these assets have different documents for loans against securities, so make sure to talk to our representative before applying for a loan.

What is the maximum loan amount I can get through the Loan Against Securities programme?

The maximum loan amount that you can get through the loan against securities programme depends on your loan eligibility. Generally, the higher the number of shares you own, mutual funds, or bonds, the higher the loan amount that you can avail of. At Tata Capital, we offer a maximum of Rs. 40 crores through LAS to help you tackle all your financial needs easily.

So, before applying for LAS, ensure that you meet the criteria we have set, gather all the documents required for a loan against securities, and then proceed to apply to get the maximum loan amount.

Is there a time limit for repaying the loan?

The time limit for repaying the loan is flexible. This means you can make the choice of how you decide to repay the loan. At Tata Capital, we have a standard 12-month tenure for the loan that you can pay easily. However, if you need to extend the tenure, we also have a renewal facility that you can make use of to make more flexible payments. We also offer flexible EMI repayment options so you can pay the loan at your convenience. 

Can I apply for a Loan Against Securities if I have a diverse portfolio of securities?

Yes, you can apply for a loan against securities if you have a diverse portfolio of securities. However, you must ensure that you have all the documents required for a loan against securities before applying. We allow multiple forms of securities so you can pledge the assets you have. At Tata Capital, you can apply for LAS using stocks of a company, mutual funds, or even bonds and other debt securities. When you have these many options, it can be easier for you to apply for a LAS.

How long does it take for the loan application to be processed?

At Tata Capital, we understand that financial emergencies can knock at your door at any time, and a lengthy loan process should be the least of your worries at that time. That is why we follow offer a quick online application process along with faster loan processing and disbursal. Once you submit the documents required for a loan against securities, we will process the loan in a couple of days to ensure you have the necessary funds when you need them the most. 

What is the interest rate on a loan secured by securities?

The interest rate on a loan secured by securities varies on a number of factors. Primarily, the interest rate depends on the loan amount that you plan to take. This, in turn, is accompanied by other factors such as your monthly income, credit score, and more. 

The interest rates you can avail also depend on the type of security you pledge. For instance, a loan against shares might attract higher interest rates than mutual funds since equity shares are more volatile. That said, at Tata Capital, we offer the best interest rates that are highly competitive in the market. We verify your loan amount and eligibility criteria to bring you the best loan offers in the market. 

Can I get a loan to top up an existing Loan Against Securities?

There might often be cases when you would need extra money on top of a loan. Top-up loans are an easy way to get this money, and fortunately, you can get top-ups on loans against securities too.

At Tata Capital, we offer a convenient range of a minimum of Rs. 70,000 to a maximum of Rs. 40 crores for you to avail of your LAS. So if you apply for a LAS of Rs. 10 lakhs but need additional funds later, you will only have to submit proof of extra shares. As you would have already submitted the documents required for a loan against shares, you will only need to provide proof of securities such as stocks, mutual funds, bonds, and other debt securities.

Can I apply for a Loan Against Securities jointly with a co-applicant?

The advantage of a loan against securities is that you can apply for this loan with multiple methods. While Tata Capital does not offer a joint loan application for loans against securities, there are other avenues that you can explore. 

At Tata Capital, we offer several different ways for you to apply for loans against securities. You can apply as an individual by pledging your company stocks, mutual funds, bonds, and other securities or through your blood relatives such as your parents, siblings, children, etc. You can also apply as a proprietorship, partnership/LLP, as companies, trust, or even HUFs.

All of these steps have different documents required for a loan against securities, so ensure you have the right loan against securities documents before applying.

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