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LOAN AGAINST SECURITIES

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Loan Against Securities FAQs

Overview

Eligibility & Documentation

How to Apply

Fees & Charges

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FAQs

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Getting Started

What is a Loan Against Securities?

Loan against Securities is a financial instrument offered by Tata Capital that gives you access to funds against your financial assets. We offer loan up to 85 % of the value of the security. Loan value can vary from ₹5 lakhs to ₹20 Crores. You can avail of LAS against following investment –

Equity/ Demat Shares
Non Convertible Debentures
Mutual Fund Units
Bonds & Government Schemes

What is the purpose of Loan Against Securities?

The purpose of Loan Against Securities is to take care of all your investment as well as personal needs, and to help you meet your contingencies.

Will I still get the benefits of an investor against taking a Loan Against Securities?

Yes, this is a unique feature of Loan Against Securities. You enjoy all the benefits of being an investor like dividend or bonus, while your shares/mutual fund units are pledged to Tata Capital Financial Services Limited for loan purpose.

Can I get loan against other securities such as LIC policies, NSC, KVP, etc?

No, currently we only deal with Bonds/FMP's that are selected by the company.

Whose securities can I pledge?

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.

What is the loan amount and how many types of scripts have to be pledged?

The loan amount ranges from ₹ 5 lacs to ₹ 20 crores. On specific approved scripts, Tata Capital may finance as single script finance based on terms and conditions being met and approved.

Can Tata Capital inform me about my latest limit by e-mail?

Yes, an e-statement can be sent to your email account.

Should my securities be in Demat form?

Yes. All your shares must be in Demat version. Mutual fund units can be in Demat or in physical form.

I have shares in physical form. Can I avail a loan against them?

Yes, you can avail a loan against your shares by simply converting them into the dematerialized form through a depository account.

I do not have a Demat Account with Tata Securities. Can I still avail your facility?

Yes. You can pledge shares held with any Depository Participant in National Securities Depository Limited (NSDL) or Central Depository Securities Limited (CDSL).

How will disbursement take place?

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.

Is my overdraft limit fixed?

Yes. The account limit is fixed but the drawing power varies as per the market value of the shares/mutual fund units. You may also change the drawing power by pledging more shares/mutual fund units, or decrease it by withdrawing the securities.

How frequently do you revalue my portfolio?

The portfolio will be revalued daily. However, in case of a sharp fall in market prices, an interim revaluation may happen any time.

How much will the loan cost me?

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.

Is a personal guarantor required?

No. You don’t need a personal guarantor.

What collateral or security should I provide?

You don’t need to give any other collateral or security apart from the shares/mutual fund units, against which the loan is guaranteed.

Is there an option to make prepayment?

Yes, you can prepay your loan when you want.

How will I find out about my credit limit/drawing power?

You can call us at any time on our customer care number, 1800-209-6060, to check the status of your account, details of the shares/mutual fund units pledged, the amount availed against different scripts/units, details of shortfall if any etc.

Can I pledge more securities in the same loan?

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.

How do I pay interest accumulating in my account every month?

A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.

Am I eligible for a Loan Against Securities?

If you are a salaried or self employed individual, then you are eligible. You should be in the age group of 18-65 years. In case of non-individual entities, the organisation should have been in existence for at least two years in order to be eligible.

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