Loan Against Securities
What is Loan Against Securities (LAS)?
Loan Against Securities (LAS) is a secured loan product where you pledge your investments in financial securities (such as shares, bonds, mutual funds, or government securities) to borrow funds. It’s an ideal option for investors who have a strong portfolio of securities but don’t want to liquidate them in order to access immediate cash.
With LAS, you can get a loan without disrupting your long-term investment plans, allowing you to continue benefiting from the appreciation of your assets while using the loan for other needs.
How LAS Work
Asset Pledge: You pledge your securities, such as stocks, bonds, mutual funds, or government securities, to the lender.
Loan Evaluation: The lender evaluates the value of your securities based on their market price and risk profile, and determines the loan amount you are eligible for.
Loan Disbursement: Once approved, you receive the loan amount, which can be used for various financial needs while continuing to hold your investments.
Repayment: You repay the loan over a fixed tenure through easy monthly installments (EMIs). Once the loan is repaid, your securities are returned.
Why Choose LAS
Quick Access to Funds: LAS provides fast access to funds without needing to sell your securities. It’s an excellent option when you need liquidity but want to retain your investment portfolio.
Preserve Investment: Continue to benefit from the growth potential of your investments. LAS allows you to use your assets as collateral while keeping them intact.
Competitive Interest Rates: LAS typically comes with lower interest rates compared to unsecured loans, making it a more affordable financing option.
Flexible Repayment Options: Enjoy flexible repayment terms and customized EMIs according to your financial comfort.
No Need for Additional Collateral: The securities themselves act as collateral, so you don’t need to offer additional property or assets.
Who Can Benefit from LAS
Loan Against Securities (LAS) is ideal for:
Investors looking for immediate liquidity without selling their valuable securities.
Individuals who wish to unlock the potential of their investment portfolios to meet personal or business needs.
Those seeking a quick, affordable, and flexible way to raise funds.
Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN- 164141 | Date of initial Registration: 18-06-2025 | Current validity: 10-06-2028
Copyright © 2026 Wisewealth. All rights reserved. Disclaimer | Disclosure | Privacy Policy | SID/SAI/KIM | Code of Conduct | SEBI Circulars
