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About Loan Against Securities

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.

Disclaimer: Loan Aagainst Securities are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.

  • Loan Amount

    Offline Channel:
    ₹ 75,000 - ₹ 40 crores
     

    Digital Channel:
    ₹ 25,000 - ₹ 5 crores

  • Loan Tenure

    12 months tenor with renewal facility

  • Know more about our Rates & Charges.

Advantages of taking a Loan Against Securities

Revolving Credit Facility

We offer aRevolving Credit facility on loan against shares and securities. If you need additional funds during the loan tenure, you can pledge your financial assets, such as mutual funds or shares, and get excess funds at a later stage. 

Zero Foreclosure Charges

We charge zero convenience fees, zero prepayment charges, and no foreclosure charges on the Tata Capital loan against securities. Our endeavor is to empower you to settle your repayments at your convenience without being penalized for early repayments. 

Digital Paperless Journey

To facilitate a seamless experience, our loan against mutual funds and other securities can be availed online. We offer an entirely digital and paperless account opening process for up to Rs. 5 crores for a loan against mutual funds and Rs. 5 crores for a loan against equity shares. 

Quick Access to Finance

We understand the urgency involved in financial emergencies. We are here to provide you with instant funds when you need them the most. With our loan against shares, we offer a swift turnaround time of one or two days. 

Security Swap

When you take a loan against equity shares or other market securities, you can swap the securities based on your stock market assessment without any fee at any time you want. This allows you to continue reaping the benefits of dividends, bonuses and rights issues while also covering your immediate financial needs. 

High Loan Amount

A loan against securities can be availed for approved scrips to the extent of up to 50% to 70% of the market value of the concerned security. So, you can comfortably enjoy a high amount for all your financial needs.  

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How to Apply forLoan Against Securities?

How to Apply for Loan Against Securities?

  • Steps to apply

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

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.

  • 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.