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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
Tata Capital’s Loan Against Securities allows you to leverage your investments for financial needs without liquidating them. Here are the key features:
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 |
At Tata Capital, we offer loans against securities at an attractive interest rate starting from 8% to 20%, depending on the quantity and quality of the securities you pledge. This competitive range ensures that the loan terms are tailored to fit your financial profile and investment value, providing you with affordable borrowing options.
The primary objective of obtaining a Loan Against Securities is to leverage your investments to meet urgent financial needs without selling your assets. This allows your investments to continue appreciating while you access funds for various purposes, such as business expansion, medical emergencies, personal expenses, or other financial commitments.
Tata Capital offers you a loan against securities at competitive interest rates starting from 8% - 20% (depending on quantity and quality of securities)
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
Low 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 Revolving Credit 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.
A Revolving Credit account will be set up with Tata Capital 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.
A loan against securities is a convenient loan option that allows you to manage all your varied financial needs easily. The minimum age to apply for a loan against securities with Tata Capital is 18 years.
If you have any investments to your name and don't want to liquidate them to fulfil your urgent financial needs, a loan against securities is a convenient option. It is a multipurpose loan, so whether you want to handle a medical emergency or make any big-ticket purchases for the family, you can easily apply for a loan if you're 18 or above.
There are no charges for maintaining the account however there are certain charges at the time of account opening and renewal . Charges at the time of account opening include nonrefundable processing fees and stamp duty. At Tata Capital, we levy a one-time processing fee only for processing loan applications. . Fortunately, you have access to a large fund, so you don't have to worry about limits. With us, you can avail a loan a minimum amount of Rs. 75k to a maximum amount of Rs. 40 Crores in the offline mode and a minimum amount of Rs. 25k to a maximum amount of Rs. 5 Crores in the digital mode.
At Tata Capital, you can apply for a high loan amount to fulfil your various financial needs. Depending on your investments or securities you want to pledge, you can get a loan amount ranging from Rs. 75000 to Rs. 40 crores in the offline channel and from Rs. 25,000 to Rs. 5 crores in the digital channel .On an average you get close to 50-70% of the market value of the security you offer.
This can be perfect if you have different needs without having to take out a loan or liquidate your assets. Also, unlike traditional loans, you do not have to pay any prepayment penalty or foreclosure charges. This can be highly beneficial if you want to close your loan earlier than expected.
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