Smart investors know that liquidity and long-term growth do not have to be at odds. When opportunities or financial needs arise, the challenge often lies in accessing funds without selling your carefully built investments. A loan against securities bridges that gap seamlessly. By pledging your shares, mutual funds, or bonds as collateral, you can unlock instant liquidity while continuing to earn potential returns. It’s a flexible way to manage urgent or strategic financial needs without interrupting your portfolio’s performance.
Need liquidity without disrupting your investments? Learn how a loan against securities lets you access funds while your portfolio keeps growing. Apply now
Eligibility criteria for Loan Against Securities
Before applying, it’s important to know the loan against securities eligibility and documents requirements. Although the exact conditions differ by lender, most follow these general criteria:
Income eligibility
- Stable income: Lenders usually look for a consistent income to ensure repayment capacity.
- Proof of income: You may need to provide payslips, bank statements, or income tax returns as proof.
- Portfolio value: A minimum portfolio value typically around Rs. 50,000 or more is required.
Age criteria
- Minimum age: Applicants must be at least 18 years old.
- Maximum age: This can vary depending on the lender’s policy. Some institutions offer loans against securities to applicants up to 90 years old.
Credit profile and ownership
- A good credit score can improve your chances of approval and help secure a better rate.
- The borrower must have legal ownership of the pledged securities.
Securities accepted for loan
Different lenders accept different types of securities. Generally, these include:
- Equity shares: Stocks listed on recognised stock exchanges.
- Mutual funds: Both equity and debt schemes can be pledged.
The loan amount you can borrow depends on the market value and stability of these assets.
