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Loans can be procured against your financial assets like shares and securities. These can further your plans to finance unexpected expenses and other growth opportunities. Many a time, in need of cash, investors have to sell the shares and lose the chance of earning dividends. However, in the case of the LAS, you don’t need to forgo the assets once and for all. You can pledge them with us for a limited time period, and continue to earn interest and dividends on them, while availing the credit. The shares are in safe custody and again get transferred to you once you repay the loan.
LAS is a high value credit and you can avail loan for up to 5 crore by pledging stocks. Minimum limit for LAS is 1 lac.
The procedure is extremely simple and digitised. You can complete the process online, from making an application to getting the amount.
The documents required for availing LAS are only the ones pertaining to the shares, apart from your basic identity proofs.
The ownership of the shares that you pledge remains with you even during the tenure of the loan. The greatest advantage is that you do not stand the risk of losing your assets at any point and continue to earn through them.
Our syndicate partners accept a wide variety of financial instruments for providing loan. These include shares, stocks, bonds, debentures and mutual funds. Further, these investments can be with a public or a private company.
In case there is any fluctuation in value of the assets, it does not affect your loan. Since all types of securities and mutual funds are subject to market risks the lenders are prepared for such vagaries and changes in value of shares .
Our executives, who are aware of all the nuts and bolts of financial markets, are available to guide you at any step. Whether it is the loan amount, interest, payment options or procedures for loan, you can access us for all queries.
We transfer the amount of loan given by our partners in your account at once. However, you are charged interest only on the amount that you actually withdraw and the period for which it is taken. This further reduces the cost of credit.
Once you apply for the loan against securities, we immediately start the process at our end. Since all shares and bonds documents are now digitised, you can get the cash cushion you need in just a few hours.
We work with a mission to assist investors and entrepreneurs with quick and easy credit. Hence, we have tied up with banks that specialise in loans guaranteed by securities and bonds. Plus, some advantages of borrowing through us are:
Our syndicate banks don’t penalise you for paying the loan before the stipulated tenure. You can repay the amount as and when you have surplus cash. Moreover, flexible EMIs are also possible through customised loans.
It is possible that you have taken a loan on certain securities, and are in need of further funds. In such a situation, you can easily get an add-on loan on the same account by pledging shares.
In some cases cases where a particular share is doing well in the market and you can sell them to gain profits. You just need to transfer some other shares, bonds or mutual funds of the same amount to adjust for sold shares.
The amount that you are eligible for will depend on the value of shares that you pledge. To assist our clients, we negotiate for loan for up to 80% of the value of shares furnished as guarantee, higher than anyone else.
The process is extremely simple and can be completed within a few hours. Since the accounts can be tracked online, you can check the progress of your application as well as withdraw cash as soon as your money gets transferred.
Make an online application at our website, furnishing the details of securities that you want to pledge Our partner banks scrutinise the application and documents (ownership proof, share deeds) within a few hours
The assessment of the value of shares is done and loan amount is finalised, along with tenure and EMI amounts Client will pledge the shares with National Security Depository Limited
For the loan against securities, individuals and self employed persons who are trading in shares are eligible. Plus, firms and companies that have been in operation for a minimum period of 2 years can apply for such loan in case they want quick cash. You only need to provide bank statements and income proof.
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