Loan Against Securities - Bharat Lending Cart
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  • 1800-572-0303

Unlock the Potential of Your Investments

Loan Against Securities – Manage Short-Term Needs Without Selling Your Investments

Facing unexpected expenses? Don’t sell your shares or mutual funds. Instead, pledge them as collateral to access instant funds while retaining ownership and potential growth.

Instant Disbursal

100% Digital Process

Competitive Interest Rates

Happy customers
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Fastest process time
0 Min 2 sec
Value of securities pledged
0 cr+
Investment advisors
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Types of Securities We Accept

Protect your investments from unplanned expenses with a Loan Against Securities. Get an overdraft facility at a competitive interest rate of 10.5% p.a. Choose from a wide range of approved securities:

  • Lien mark mutual funds across multiple AMCs via CAMS and KFintech.
  • Pledge shares held in demat accounts with NSDL.

Leverage Your Mutual Funds Without Compromise

Access instant funds while achieving your long-term investment goals with a Loan Against Mutual Funds.

  • Instant Approval & Disbursal
  • Fully Digital Process
  • Attractive Interest Rates
  • Broad Selection of Approved Funds

Secure Your Financial Needs Without Selling Your Shares

Retain ownership of your shares while fulfilling short- to medium-term financial requirements.

  • Same-Day Disbursal
  • Completely Digital Application
  • Competitive Interest Rates
  • Wide Range of Approved Securities

Access Cash Without Selling Your Investments

A Loan Against Securities (LAS) is a secured loan where you can pledge shares, mutual funds, and other securities as collateral. LAS is provided as an overdraft facility, perfect for short- to medium-term needs.

Key Benefits:
  • Retain ownership and continue earning returns on your investments.
  • Borrow at a competitive interest rate of 10.5% p.a. – only on the utilized amount.
  • Enjoy a hassle-free, 100% digital application process.

Experience financial flexibility without compromising your long-term investment plans.

How to Apply for a Loan Against Securities

Apply in a few simple steps. Keep your PAN, Aadhaar, and bank details handy for a smooth experience:

  • Download the app or visit our website.
  • Select your loan type and start the application.
  • Complete KYC using PAN and Aadhaar details.
  • Enter bank account and additional details.
  • Pledge securities online via CAMS, KFintech, or NSDL.
  • Verify your bank account through net banking or debit card.
  • Review and sign the loan agreement digitally.
  • Your loan account will be ready in minutes!

Why Choose Loan Against Securities?

Compare LAS with other secured and unsecured loans to see how it stands out in terms of benefits, flexibility, and cost-effectiveness.

Mirae Loan Against Securities Personal Loans Gold Loans Loan Against Property
Interest Rate 10.5% p.a. (only on amount & duration utilized) 12% p.a. Onwards 14% p.a. Onwards 11% p.a. Onwards
Type Secured Unsecured Secured Secured
Processing Fees Rs 999/- + GST upto 2.5% of loan value + GST upto 2% of loan value + GST 1% - 3% of the loan amount + GST
Processing Time Loan against mutual funds: 15 Mins Loan against shares: Same day Digital Process: Instant Physical Process: 1 to 2 days Same day 10 to 30 days
Application Process End to end digital process Both digital & physical process Physical process only Physical process only
Lock-in period No lock-in 6 to 12 months No lock-in 6 to 12 months
Prepayment/ Foreclosure charges No Charges 2% to 4% of loan value + GST No Charges No Charges
Loan Tenure 1 Year upto 5 Years 1 Year upto 20 Years
Loan Value Loan against equity mutual funds & shares: 1 Cr Loan against debt mutual funds: 3 Cr upto 40 Lacs Based on value of collateral Based on value of collateral
Collateral Mutual Funds & Shares No Collateral Gold Property
LTV Loan against equity mutual funds & shares: 45% Loan against debt mutual funds: 80% - 75% to 90% 75% to 90%
Income proof Not Required ITR / Salary slip required Not Required ITR / Salary slip required

Loan Against Securities: Details & Charges

Our commitment is to provide transparent, hassle-free financial solutions with no hidden charges. Explore our terms and conditions to understand how we prioritize your financial needs.

Maximum Loan Amount

Loan Against Equity Mutual Funds & Shares

₹1,00,00,000

(Upto 45% LTV)

Loan Against Debt Mutual Funds

₹3,00,00,000

(80% LTV)

Minimum Loan Amount

₹10,000

Loan Tenure

12 Months

& renewable thereafter

Fixed Processing Fees

₹999

+ taxes as applicable

Penal Charges

15.00% P.A. + taxes on the overdue amount for the default period**

Minimum Withdrawal Amount

₹1,000. However, there is no limit on the number of withdrawals.

Interest Rate

10.5% p.a. (on utilized amount) Interest will be due on 1st working day of every month and the same will be debited on 3rd working day of every month from your Bank Account via NACH mandate.

Stamp Duty

₹500

Foreclosure Charges

ZERO Foreclosure charges

Bounce Charges

₹500 + taxes as applicable

Annual Renewal Charges

₹999*

Bank Mandate Swap Charges

₹500*

Top Up/Security withdrawal Charges

₹500*

Security Invocation Charges

₹2,000*

(in case of default)

Charges & Interest Rates

Collection Charges

₹5,000*

(in case of default)

Legal Charges

₹5,000*

(in case of default)

Annual Percentage Rate (APR)

10.5% to 27.3% per annum

(including fees)

Minimum Period

12 Months

Maximum Period

12 Months

* Taxes as applicable
**Applicable for new loans. The applicable penal charges on existing loans, shall be updated on our mobile application, website and also communicated over Email & SMS to all such borrowers, not later than 30th June 2024.

Reviews

"I was able to get quick funding by pledging my mutual funds as collateral. The process was simple, and the team guided me throughout. I highly recommend this service!"
Rohit Sharma
Rohit Sharma
"Taking a loan against my fixed deposit was a smart decision. I didn’t have to break my FD, and the interest rate was much lower compared to personal loans. Truly hassle-free!"
Anjali Mehta
Anjali Mehta
"I needed urgent cash for a business opportunity, and pledging my shares gave me the funds I needed without selling my investments. The process was seamless, and I’m really satisfied."
Vikram Rao
Vikram Rao

FAQ's on Loan Against Securities

1. What is a loan against security?
A loan against security allows you to borrow money by pledging your financial assets, such as shares, mutual funds, fixed deposits, or insurance policies, as collateral.
Commonly accepted securities include stocks, mutual funds, bonds, fixed deposits, and life insurance policies. The eligibility of these assets depends on the lender’s guidelines.
The loan amount typically depends on the market value of the pledged securities and the lender’s margin requirements. For example, lenders may offer 50-80% of the asset’s value as a loan.
Yes, in most cases, pledged securities like shares and mutual funds continue to earn dividends or returns, which remain credited to your account.
If the value of your pledged assets falls below the lender’s minimum requirement, you may need to pledge additional securities or repay a portion of the loan to maintain the loan-to-value ratio.

Bharat Lending Cart is a leading non-deposit taking NBFC specializing in personal and business loans across India. Our streamlined online process ensures quick access to capital with minimal documentation and no need for collateral.

We aim to be your trusted partner in building a solid financial base for your personal aspirations, empowering you to reach your fullest potential.

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