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  • Loan Against Securities

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.  

Features for Loan Against Securities

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, ranging from 8% to 20% per annum, depending on the quality and quantity of the securities pledged.

Flexible Tenure Options

We provide flexible tenure options to suit your financial planning needs. Our loans have a 12-month tenure and a renewal facility, allowing you to choose the repayment period that best suits your financial situation.

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.

High Loan-to-Value Ratio

At Tata Capital, you can secure a loan against securities for approved scrips up to 50% to 70% of their market value. This allows you to comfortably access a large amount to meet all your financial needs.

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.

Flexible Repayment Options

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

When you apply for a loan against securities with Tata Capital, you'll receive a Revolving Credit account. 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.


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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.