Smart Liquidity
Loan Against Securities — Borrow Against Your Portfolio Without Selling
Need urgent funds but don't want to liquidate your Mutual Funds or Demat shares and trigger capital gains tax? We facilitate instant, digital Overdraft limits against your financial assets.
Apply for Instant LiquidityThe Power of LAS
Keep Earning Returns
Your investments stay in your name and continue to earn dividends and market growth while you utilize the loan funds.
Instant Digital Lien
Through CAMS and NSDL integrations, your mutual funds and shares can be marked with a digital lien in minutes, resulting in same-day disbursal.
High LTV
Get an OD limit of up to 50% against equity mutual funds/shares, and up to 80% against debt mutual funds and secure bonds.
Accepted Securities
- Mutual FundsEquity, Debt, and Hybrid mutual funds approved by CAMS/KFintech.
- Equity SharesApproved list of Top 500 NSE/BSE listed stocks held in a Demat account.
- Insurance & BondsLIC policies, RBI Bonds, and Sovereign Gold Bonds.
Required Documents
KYC & Demat
- PAN Card & Aadhaar Card
- Latest 6 months bank statement
- Client Master Report (CMR) from broker
- Latest Mutual Fund statement / CAS
Instant Liquidity Estimator
Loan Against Securities Estimator
Estimate your maximum Overdraft (OD) limit against your mutual funds, equity shares, or bonds.
Portfolio Utilisation
Investment-Backed Credit
Loan Against Securities FAQs
Yes! Your investments remain strictly in your ownership. All dividends, interest payouts, and market capital appreciation continue to accrue directly to you.
Through seamless digital CAMS, KFintech, and NSDL integrations, digital pledge creation happens online, enabling same-day OD account activation.
No. You pay ₹0 interest as long as the balance drawn is zero. Interest is calculated strictly on the daily utilized amount.
Debt mutual funds, sovereign gold bonds (SGBs), and liquid funds typically attract 80–85% LTV. Equity large-cap funds receive 50–60% LTV. Mid-cap and small-cap funds receive 40–50% due to higher NAV volatility. Gold ETFs typically attract 75% LTV. The LTV is assessed daily and may change with market movement.
Lenders set a margin threshold. If your portfolio value falls such that the outstanding balance exceeds the permitted LTV, you receive a margin call — you must either pledge additional securities or repay a portion of the outstanding balance. We brief you on this mechanism clearly before activation.
Yes, with written consent from all joint holders. All account holders must sign the pledge agreement with the lender. The OD facility is typically issued in the name of the primary demat account holder.
Debt mutual funds and sovereign gold bonds typically attract 80-85% LTV. Equity large-cap funds receive 50-60% LTV. Mid-cap and small-cap funds receive 40-50% due to higher volatility.
If your portfolio value falls below the permitted LTV threshold, you receive a margin call — you must pledge additional securities or repay a portion of the outstanding balance.
Yes, with written consent from all joint holders. All account holders must sign the pledge agreement. The OD facility is issued in the name of the primary demat account holder.
Available to investors across Gujarat holding mutual funds, equity shares or sovereign gold bonds.
Ready to unlock instant portfolio liquidity?
Speak with our financial experts today to discover your maximum Overdraft limit against securities.