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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
Need funds but do not want to liquidate your investments? Life is always evolving, and so are your financial needs. While you may have investments to rely on, liquidating them can trigger tax liabilities. It can also impact your future financial returns and goals. A Loan Against Securities (LAS) can be the solution to your financial problems.
At Tata Capital, we provide a loan against securities, such as a loan against shares or a loan on mutual fund that helps you gain immediate access to capital. With the loan against securities, you can truly unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds, or debt securities and get access to instant liquidity.
Our loan against securities offers you double benefit - easy access to funds up to Rs. 40 crores while you continue to earn Compound Annual Growth Rate (CAGR) against your financial assets. What makes this more attractive is that we offer the loan against securities with zero convenience, foreclosure, and prepayment charges.
Loan Amount
₹ 75,000 to ₹ 40 crore
Loan Tenure
12 months tenor with renewal facility
Tata Capital offers you a loan against securities at competitive interest rates.
Tata Capital’s Loan against securities is a convenient loan option against your equity investments. Earn high returns on investment and get access to quick funds up to Rs. 40 crores.
Applying for a loan against securities is quick and easy with Tata Capital. All you need to do is check our loan against securities page and complete our online application process. You can also visit our nearest branch to get started.
A loan against securities helps meet your urgent financial obligations with utmost ease and convenience. Here are a few benefits of availing a loan from Tata Capital-
Quick online application process
Easy access to funds against investments such as equity shares, bonds, and mutual funds
Competitive interest rates
Zero foreclosure and pre- payment charges
High loan amount
No processing fees
Approved List of 800+ Equity Shares
You can pledge your own securities, or those of your blood relative (parents, spouse, children and siblings only) above 18 years of age. If you are pledging securities that belong to anyone other than yourself, the security holder must be a signatory to the overdraft agreement as a Co-Applicant. Check for Loan Against Securities Eligibility page for more details.
Yes. All your shares must be in Demat version. Mutual fund units can be in Demat or in physical form.
Yes, you can avail a loan against your shares by simply converting them into the dematerialized form through a depository account.
An overdraft account will be set up with Tata Capital Financial Services Limited. This account will have a certain drawing limit, which you can utilize as and when required. Drawing limit depends upon the quality and quantity of the shares/mutual fund units pledged by you.
You will be charged a nominal processing fee. The interest will be charged only on the amount you draw and for the period that you draw it. Also, the interest will be charged on a daily basis, but will be debited to your account only once a month. Visit our Service Charges page to know more.
No. You don’t need a personal guarantor.
You don’t need to give any other collateral or security apart from the shares/mutual fund units, against which the loan is guaranteed.
Yes, you can prepay your loan when you want.
Yes, you may pledge more securities to increase the drawing power of your account. It will take 2 business days for the drawing power to change. You can change the Depository Participant ("DP") but the Sanction Limit cannot be changed.
A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.
Yes, you can still avail the loan based on your profile, credit strength etc. Please feel free to contact us, so we can advise based on the merits of your case.
A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.
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