About Loan Against Shares

Loan Against Shares or LAS is a loan availed by pledging your shares as collateral. So instead of selling your shares when you need funds, get a Loan to fulfil all your financial needs.

Loan against shares avoids liquidation of your shares and also provide you funds at the time you need the most.

Key Features

Competitive interest rates

Zero foreclosure & pre- payment charges

No processing fees

Loan amount 75,000 to 5 crores

Steps to avail Loan against Shares

  • Step 1

    Insert Loan Amount
  • Step 2

    KYC Authentication
  • Step 3

    Calculate eligible loan amount
  • Step 4

    Pledging of Shares & confirmation
  • Step 5

    E Signing of sanction and agreement


Process Completed.

*The said product is offered by


Loan against Securities is a financial instrument offered by Tata Capital that gives you access to funds against your financial assets. We offer loan up to 50% of value of security for Equity Shares and Mutual Funds and up to 70%-90% of value of security for Bonds*. Loan value can vary from ₹75k to ₹20 Crores.
You can avail of LAS against following investment –

  • Equity Shares
  • Mutual Fund Units
  • Non-Convertible Debentures
  • Bonds, Debt instruments & Government Schemes

The purpose of Loan Against Securities is to take care of all your investment, business as well as personal needs, and to help you meet your contingencies.

Yes, this is a unique feature of Loan Against Securities. You enjoy all the benefits of being an investor like dividend or bonus, while your shares/mutual fund units are pledged to Tata Capital Financial Services Limited for loan purpose.
*Subject to internal policies, rating and approval.

No, currently we only deal with Bonds/FMP's that are selected by the company.

You can pledge your own securities, or those of your blood relative (parents, spouse, children and siblings only) above 18 years of age. If you are pledging securities that belong to anyone other than yourself, the security holder must be a signatory to the overdraft agreement as a Co-Applicant. Check for Loan Against Securities Eligibility page for more details.

The loan amount ranges from ₹75k to₹ 20 crores. On specific approved scripts, Tata Capital may finance as single script finance based on terms and conditions being met and approved.

Yes, an e-statement can be sent to your email account.

Yes. All your shares must be in Demat version. Mutual fund units can be in Demator in physical form.

Yes, you can avail a loan against your shares by simply converting them into the dematerialized form through a depository account.

Yes. You can pledge shares held with any Depository Participant in National Securities Depository Limited (NSDL) or Central Depository Securities Limited (CDSL).

Tata Capital offer flexible loans options. Term loan with monthly interest servicing and bullet principal repayment. Term may be 6 months or 12 months. We also offer an overdraft facility with flexible withdrawal and repayment facilities. Interest payable on utilized amount only.

Yes. The account limit is fixed but the drawing power varies as per the market value of the shares/mutual fund units. You may also change the drawing power by pledging more shares/mutual fund units, or decrease it by withdrawing the securities.

The portfolio will be revalued daily. However, in case of a sharp fall in market prices, an interim revaluation may happen any time.

You will be charged a nominal processing fee. The interest will be charged only on the amount you draw and for the period that you draw it. Also, the interest will be charged on a daily basis, but will be debited to your account only once a month. Visit our Service Charges page to know more.

No. You don’t need a personal guarantor.

You don’t need to give any other collateral or security apart from the shares/mutual fund units, against which the loan is guaranteed.

Yes, you can prepay your loan when you want.

You can call us at any time on our customer care number, 1860 267 6060, to check the status of your account, details of the shares/mutual fund units pledged, the amount availed against different scripts/units, details of shortfall if any etc.

Yes, you may pledge more securities to increase the drawing power of your account. It will take 1 business day for the drawing power to change. You can change the Depository Participant ("DP") and the Sanction Limit subject to approvals as required.

A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.

If you are a salaried or self employed individual, then you are eligible. You should be in the age group of 18-65 years. In case of non-individual entities, the organisation should have been in existence for at least two years in order to be eligible.

Yes, you can still avail the loan based on your profile, credit strength etc. Please feel free to contact us, so we can advise based on the merits of your case.

A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.

Contact us for any help 1860 123 1122