Loading...

loan against securities

Compare Loan Against Securities

  • Multiple Partner Options
  • Competitive Rates Starting From 9.00%* P.a.
  • Flexible Tenures Up To 3years
  • Loans

Loan Against Mutual Funds

Financing By Pledging Fund Units

Loan Against Stocks/shares

Financing Up To Lender LTV Limits

Loan Against Bonds

LTV Determined By Lender Policy

Digital Eligibility

Digital Inquiry & Assessment

Pre-pay Charges

Subject To Lender Policy

Pre-closure Charges

Subject To Lender Policy
Note: Interest rates, EMI, fees, charges, loan tenure and other terms are indicative and may vary across lending partners based on their policies, eligibility criteria and assessment. Final terms are subject to the respective lender's approval.

Loan Against Securities Overview

A Loan Against Securities (LAMF) enables borrowers to unlock liquidity by pledging eligible financial assets—such as mutual fund units, shares, and bonds—as collateral, allowing them to address financial requirements without liquidating their long-term investments.

Participating lenders evaluate pledged securities, loan-to-value (LTV) ratios, and applicant profiles to determine sanction limits. Spoctree serves as an independent comparison and referral platform connecting prospective borrowers with regulated lending institutions.

Loan against securities interest rates may range from 9.00% - 18.00% p.a. per annum, depending on the lender, type and value of securities pledged, loan amount, repayment terms and applicant eligibility. The Annual Percentage Rate (APR) may differ from the stated interest rate because it can include applicable fees and other charges.

Illustrative Example: For a loan against securities of Rs. 100,000 at an illustrative annual interest rate of 9.00% for 3 years, the estimated monthly EMI would be Rs. 3,180. The total repayment would be approximately Rs. 1,14,479, including estimated interest of Rs. 14,479. This illustration assumes a regular monthly EMI repayment schedule. Actual repayment arrangements may differ depending on the lender and product. Processing fees, taxes and other applicable charges are excluded. The loan is subject to eligible collateral, lender conditions and approval.

How to Get Started

Submit Inquiry on Spoctree

  • Provide basic contact details and inquiry parameters.
  • Verify contact information securely.
  • Connect with participating lending institutions for your loan against securities inquiry.

Institutional Review & Processing

  • Portfolio evaluation conducted by participating lenders.
  • Pledging of eligible securities as per lender policy.
  • Execution of digital loan agreements and repayment mandates.
Loan approval, interest rates, LTV margins, processing fees, and disbursement timelines are determined solely by the respective participating lending institution based on its internal credit policies.