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To Apply for a Loan Against Mutual Funds,

Information About Loan Against Securities

About Loan Against Securities

We know you value your investments and would like to retain them for longer time to reap benefits from stock market. With our Loan Against Security, you can meet your financial goals while retaining the ownership of your securities.  All you need to do is to pledge your Shares, Mutual funds or Securities as collateral and you can get a loan against securities ranging from ₹ 5 lacs to ₹ 20 crores with the added advantage of quick processing and attractive interest rates, you can be sure that your today and tomorrow are secure.

How can you take a Loan Against Securities?

We have eliminated any stress involved with taking a loan by designing a process that is totally hassle-free. It’s simple. It’s quick. Here’s what you need to do:

  • Select your loan amount and tenure
  • Submit your application
  • Get funds in your account

Four reasons why Loan Against Securities is the right choice for you

You get instant access to funds

When you pledge securities to take the loan, you get access to funds without ever having to liquidate the investments that you have made over the years.

It’s in your best interest

One of the biggest benefits of Loan against Securities is that you pay interest only on the amount that has been utilised and not on the limit extended. It can also be used as an overdraft facility.

You retain ownership

At no point do you have to liquidate your investments or securities. Even after having them pledged to Tata Capital, you can continue to reap benefits that come from your investments as you still enjoy the ownership of the financial products.

Easy Documentation

We ask for your basic KYC documents which makes the process of availing Loan against Securities hassle free.

Features and Advantages

Loan Amount

Loan Against Securities is offered on approved Scripts and Mutual Funds to the extent of up to 50% of the market value and Mutual Funds to the extent of up to 70% of the Net Asset Value (NAV).

Swift Approval

We are here to make sure you have  quick access to funds when you need them the most. We process your application swiftly to secure your today and tomorrow. 

Security Swap

We have tailored an experience that benefits you the most. You have the flexibility to swap securities based  on your stock market assessment, while you continue to reap the benefits of dividends, bonus and rights issues.

Additional Finance

You have the option to avail additional finance on your loan against securities by pledging more shares, mutual fund units or securities

Easy Repayment

You are only required to pay interest every month on the amount utilised via ECS or Post Dated Cheques (PDCs). The principal needs to be repaid at the end of the term.

Interest Rates

Our interest rates are highly competitive among the other players in the industry. We make sure you are our top priority throughout. 

Eligibility and Documentation

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 to be eligible. 

Documents Required

  • Photo Identity Proof (PAN Card)
  • Address Proof (Ration Card/Electricity Bill/ Passport)
  • Bank Statements (The bank statements for the past 6 months showing salary credits)
  • Income Proof (ITR for past 2 years)
  • Salary Slips (Salary slips for the last 3 months)
  • Additional Documents (Passport size Photograph + 1 security cheque)

Why Choose Us

5 reasons why you should choose us

Tata Capital a name you can trust

With the customers’ individual desires and needs in mind, our team at Tata Capital guides you at every step and offer specific financial solutions

We offer attractive interest rates

Our interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay. 

We’re flexible

We work with you to customise a loan amount and tenure that works best for you. You don’t even have to pay interest on the entire loan – just the amount that has been utilised so far. It is that simple. 

We are not going to make you run around

We only ask for minimal documentation to process your application. We just need some mandatory information.

We’ve been in the industry for a long time

This means we understand your needs and we will tailor our services to your needs.