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LOAN AGAINST SECURITIES

Invest in your goals wisely

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To Apply for a Loan Against Shares/Mutual Funds, Click Here

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Portfolio Value

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Loan Against Securities FAQs

Overview

Eligibility & Documentation

Fees & Charges

Calculator

Repayment

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 maximum & minimum loan amount that can be availed under a loan against securities?

With Tata Capital, you can unlock the true potential of your investments. You can avail a Loan against securities of a minimum amount of Rs. 75k to a maximum amount of Rs. 40 Crores.

What is the interest rate for a loan against securities?

Tata Capital offers you a loan against securities at competitive interest rates starting at just 10%.

How much loan can I get against my 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.

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.

What are the benefits of taking a loan against securities from Tata Capital?

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

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.

Loan Against Securities FAQs

Getting Started

Know How It Works

Know How To Apply

Getting Started

What is a Loan Against Securities?

What is the maximum & minimum loan amount that can be availed under a loan against securities?

What is the interest rate for a loan against securities?

How much loan can I get against my securities?

What is the purpose of Loan Against Securities?

What are the benefits of taking a loan against securities from Tata Capital?

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

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

Whose securities can I pledge?

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

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

Should my securities be in Demat form?

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

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

How will disbursement take place?

Is my overdraft limit fixed?

How frequently do you revalue my portfolio?

How much will the loan cost me?

Is a personal guarantor required?

What collateral or security should I provide?

Is there an option to make prepayment?