Fees and Charges for Loan Against Securities (LAS) - 2026

Accessing liquidity without disrupting long-term investments is a key priority for many investors. A Loan Against Securities (LAS) provides a smart way to unlock funds by pledging assets such as shares, mutual funds, or bonds—without selling them. This allows you to stay invested, benefit from potential market growth, and meet immediate financial needs simultaneously. Many investors tend to sell their investments during a cash crunch. However, there is a more strategic way to access funds without interrupting your wealth creation journey. A Loan Against Securities enables you to raise capital while keeping your portfolio intact. 

A loan against securities allows you to leverage your financial assets to access liquidity while continuing to remain invested. Apply now 
 

Before opting for a Loan Against Securities, it is essential to understand the associated fees and charges. These costs can vary depending on the lender, type of securities pledged, and loan tenure. Below is a breakdown of the typical fees and charges associated with LAS: 

Understanding these charges can help you make an informed decision and avoid unforeseen costs. 

Several factors determine the fees and charges associated with LAS. Here are some key considerations: 

• The type and value of securities pledged: High-value and low-risk securities may attract lower interest rates and fees. 
• Loan tenure and repayment structure: Longer tenures may lead to higher interest payments, while flexible repayment options could impact the overall cost. 
• Interest rate variability: Interest rates depend on lender policies and prevailing market conditions. Fixed and floating rate options may have different implications for your loan. 
• Timely submission of documentation: Delays in submitting required documents could result in additional charges or slower processing times. 

 
Your investment portfolio can serve more than one purpose. Beyond building long-term wealth, it may also help you access funds when financial needs arise. 

Explore how your listed shares can help unlock liquidity while you remain invested. Apply now 
 

Minimising the cost of a Loan Against Securities is possible with the right strategies. Here are some actionable tips to help you save on LAS charges: 

• Compare lenders: Research and compare processing fees, interest rates, and other charges across different lenders to find the most cost-effective option. 
• Look for promotional offers: Some lenders provide reduced interest rates or waive processing fees during specific periods. Keep an eye out for these opportunities. 
• Pay on time: Avoid late payments to eliminate the risk of incurring penal charges. Setting up automatic payments can help you stay on track. 
• Optimise loan tenure: Choose a loan tenure that balances your repayment capacity with interest expenses. Shorter tenures can reduce overall interest costs. 

Many investors choose to leverage mutual fund investments instead of redeeming them during temporary financial needs. 

This approach allows them to maintain their long-term investment strategy while accessing funds when required. Apply now 

 Understanding the fees and charges associated with a Loan Against Securities is crucial for making an informed financial decision. LAS offers a strategic way to meet urgent financial needs while preserving your long-term investment goals. By leveraging your securities, you can access liquidity without selling your assets, ensuring that your portfolio continues to grow. 

Your investment portfolio can be more than just a wealth-building tool. With the right financial strategy, it may also help you meet short-term liquidity needs without disrupting long-term financial goals. Apply Now