If you are looking to arrange Rs. 50000 quickly, whether it’s for a sudden medical expense, a short getaway, or to plug a temporary cash flow gap, there’s no need to dip into savings or liquidate your investments. Loans against securities (LAS) offer a smart, structured way to access funds. By pledging your financial assets like mutual funds, shares, bonds, or certain insurance policies you can get the money you need without disturbing your long-term wealth-building plans.
Did you know? You can access funds against your existing portfolio in as little as 24 to 48 hours, often at much lower interest rates than unsecured loans.
What is a loan against securities?
A Loan Against Securities (LAS) is a secured facility where you pledge your investments as collateral to access quick funds. These can include equity shares, mutual funds, bonds, or eligible insurance policies. While pledged, your investments remain in your name and continue to earn returns. It’s a revolving credit facility meaning you get a sanctioned limit and can borrow as much (and as often) as needed within that limit. You pay interest only on the amount you actually use.
When should you consider borrowing Rs. 50000 using LAS?
While Rs. 50000 might not be a huge amount for some, it can be critical for:
- Covering an unexpected medical bill
- Funding a short training course or professional certification
- Making an urgent home repair
- Managing a lean business month without selling investments
- Paying off high-interest debt strategically
Your portfolio can be more than just long-term wealth it can be your short-term safety net too. Use it to unlock quick liquidity. Apply now
Benefits of borrowing through loan against securities
Here are the several benefits of borrowing through a loan against securities:
- Lower interest rates: As a secured facility, LAS offers interest rates starting as low as 8–15% p.a. much lower than most unsecured options.
- Fast processing: With your investments as collateral, approvals can happen in 24–48 hours* once documents are in order.
- Pay only for what you use: Interest is charged only on the withdrawn amount, not the total sanctioned limit.
- Preserve investment growth: Your assets continue to compound, while you meet your immediate financial needs.
- Flexible repayment: Repay the principal when convenient, while paying interest monthly.
Do not cash out investments for small needs keep them working for you. Borrow on your own terms
Types of securities you can pledge
Security type |
Accepted assets |
Mutual funds |
Debt, equity, hybrid mutual funds |
Shares |
Listed equity shares |
Insurance policies |
Traditional (endowment) or ULIP policies |
Bonds |
Government, corporate bonds |
ESOPs |
Employee Stock Option Plan holdings |
Note: Your eligible loan amount depends on the asset type and market value.
