Loans against securities & mutual funds
Unlock the value of your investments without selling them.
What is loans against securities & mutual funds?
Your shares, bonds, mutual funds and insurance policies are working assets. A loan against securities lets you borrow against their value at attractive rates while staying invested, ideal for short-term liquidity, tax planning or stepping into market opportunities.
Why customers choose us
- Limits up to 50% of equity value and 80% of debt fund value
- Interest only on amount drawn, not on full sanction
- No prepayment penalties
- Continue to receive dividends and corporate benefits
- Online pledge and instant limit setup
The full picture
Against listed shares
Borrow against approved blue-chip and mid-cap shares with daily mark-to-market.
Against mutual funds
Pledge equity, debt and hybrid funds with one-click digital pledge through CAMS and KFin.
Against bonds and NCDs
Funding against listed corporate bonds and sovereign instruments.
Against insurance policies
Loan against surrender value of traditional and ULIP policies.
Who can apply
- Indian resident, NRI or HUF
- Securities held in your name in demat or folio
- Minimum portfolio value of ₹5 lakh
- Standard KYC compliance
What to keep handy
- PAN, Aadhaar and address proof
- Demat or mutual fund statement
- Bank statement
- Signed pledge form
Common questions
What if the market falls sharply?+
Lenders mark to market daily. If your collateral value drops, you can top up cash or pledge more securities to maintain the margin. We help structure a comfortable cushion upfront.
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