Loan Against Securities
Let idle investments do some heavy lifting — a Loan Against Securities (LAS) converts your holdings into ready funds, and not a single share needs to be sold.
Apply for Loan Against Securities
Quick, digital & hassle-free
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
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CustomersActive users
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BanksPartner banks
170
BranchesNationwide
What is a Loan Against Securities?
A Loan Against Securities is secured credit raised by pledging financial assets — shares, mutual funds, bonds or insurance policies — as collateral for the funds you receive.
It lets you draw liquidity while your portfolio keeps riding market gains, making it a natural fit for anyone who needs short-term cash but refuses to derail a long-term financial plan.
Loan Against Securities EMI Calculator
Loan Details
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Features & Benefits of Loan Against Securities
Instant Loan Approval
A fully digital process gets your loan against securities approved in an instant.
Attractive Interest Rates
Rates typically undercut unsecured loans and credit cards by a comfortable margin.
No Prepayment Charges
Close the loan whenever you like — no penalty applies.
Flexible Tenure
Pick a repayment window that lines up with your financial goals.
Retain Ownership
Dividends and capital appreciation keep flowing to you even while the securities sit pledged.
Wide Range of Acceptable Securities
Loans against shares, mutual funds, bonds, insurance policies and ETFs are all on the table.
Overdraft Facility
Draw only what you need and pay interest strictly on the amount you use.
How to Apply for a Loan Against Securities?
Apply online in just a few simple steps
Step 1
Check Eligibility: Run through the basic requirements first.
Step 2
Submit Application: Complete the loan form online or offline.
Step 3
Upload/Submit Documents: Provide your KYC, bank statement and proof of securities.
Step 4
Pledge Securities: Authorise the pledge of your shares, mutual funds or other approved assets.
Step 5
Loan Approval & Disbursal: After verification the funds reach your account — often the very same day.
— Eligibility —
Loan Against Securities Eligibility Criteria
Meeting these simple requirements is all it takes:
Age
Between 18 and 70 years
Nationality
Must be an Indian citizen
Employment
Available to both salaried and self-employed individuals
Business Applicants
Entities involved in trading, services, or manufacturing are also eligible
Credit Score
A good credit history with no prior loan defaults
Securities Ownership
Must have approved securities in your name or business name
Documents Required for Loan Against Securities
— Documents —
Keep these basics ready for a fast online approval:
Compare Loan Against Securities Offers from Our Top Lenders
Rates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Provider | Loan Type | Key Features |
|---|---|---|
| Zerodha loan against securities | LAS via Zerodha Capital | Completely online process, instant approval, minimal documentation |
| HDFC loan against securities | Shares, Mutual Funds, Bonds | Trusted banking service, overdraft facility, competitive rates |
| Tata Capital loan against securities | LAS for shares and mutual funds | Flexible repayment options, quick disbursal |
| ICICI loan against securities | LAS with an overdraft option | High-value loans, a wide range of accepted securities |
| Loan Against Securities Axis Bank | LAS with digital pledge facility | Easy online application, transparent charges |
| SBI loan against securities | LAS via Demat account | Public sector trust, low interest rates, and simplified process |
Success Storiesfrom Our Happy Customers
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless loan against securities solutions.
Monika
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Rishabh Verma
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Priyanka
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Akash
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Pooja
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
Serving Loan Against Securities Across India
On the ground in every major city, with instant loan against securities support built around your growth.
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Frequently Asked Questions
Everything you need to know about Loan Against Securitiess from Janmudra.