Register your loan against securities mandate online

Need instant funds without liquidating your investments? A Loan Against Securities (LAS) might be your perfect solution—and now, getting started is easier than ever with the online LAS mandate facility. This digital process allows you to pledge your shares, mutual funds, bonds, or other eligible securities as collateral and access a credit line without visiting a branch. From setting limits to digitally signing the mandate through platforms like NSDL and CDSL, everything is streamlined for speed, convenience, and security. Whether you’re a salaried professional or a business owner, LAS gives you the flexibility to meet urgent financial needs—be it for business expansion, education, medical emergencies, or personal expenses—while your investments continue to grow. The best part? You only pay interest on the amount you use. Say goodbye to paperwork and delays—the online LAS mandate makes borrowing smart, efficient, and hassle-free. Ready to unlock the value of your portfolio in just a few clicks?

What is a loan against securities mandate?

A Loan Against Securities (LAS) mandate is an authorization process that allows an individual to digitally pledge their financial securities—such as shares, mutual funds, bonds, insurance policies, or other market-linked instruments—as collateral to avail a loan from a financial institution. This mandate acts as a formal agreement between the borrower and the lender, enabling the lender to hold a lien on the pledged securities for the duration of the loan.

Traditionally, this process involved physical documentation, manual signatures, and extended processing times. However, with the introduction of digital LAS mandates, the entire process has become seamless, paperless, and far more efficient. Borrowers can now complete the mandate online via depository platforms like NSDL (National Securities Depository Limited) or CDSL (Central Depository Services Limited). Through these platforms, individuals can electronically authorize the lender to access and mark a lien on the selected securities in their demat account.

The LAS mandate serves multiple purposes:

Authorisation: It gives the lender permission to use the pledged securities as security for the loan.


Transparency: The terms of the mandate, including the credit limit, interest rate, and tenure, are clearly stated.


Flexibility: The borrower retains ownership of the securities and continues to earn dividends, interest, or capital appreciation.


Convenience: The online process can be completed in minutes, reducing the time and effort required.


Once the mandate is approved, the borrower is provided with a revolving credit facility or a one-time loan amount, depending on the lender's offering. The loan amount is typically calculated as a percentage of the market value of the pledged securities.

In summary, a Loan Against Securities Mandate is a critical step in digitally securing a loan without selling off valuable investments. It empowers individuals to maintain their market positions while enjoying liquidity, making it a popular choice for those who need quick access to funds without disturbing their long-term financial goals.

Benefits of registering a loan against securities mandate online

Registering a Loan Against Securities (LAS) mandate online offers numerous advantages, making the process faster, safer, and more efficient compared to traditional methods. Here are the key benefits explained in detail:

1. 100% Paperless process

The online mandate registration eliminates the need for physical paperwork. Everything from documentation to verification is handled digitally, saving time and reducing manual errors.

2. Instant activation

With online platforms like NSDL or CDSL, the LAS mandate can be approved and activated almost instantly. This enables quick access to funds when you need them the most.

3. Convenience and accessibility

The entire process can be completed from the comfort of your home or office. All you need is a demat account and internet access—no physical visits to the bank or branch are required.

4. Secure digital authentication

Online LAS mandates are authorised through secure electronic processes, such as e-signatures and OTP-based verifications, ensuring a safe and tamper-proof experience.

5. No Need to liquidate investments

You can unlock liquidity from your shares, mutual funds, or bonds without selling them. This allows your investments to continue earning returns while also giving you access to funds.

6. Flexible repayment options

Most lenders offer flexible repayment terms. You can repay the principal as per your convenience, while interest is paid only on the amount utilised.

7. Lower interest rates

Loans against securities generally come with lower interest rates compared to unsecured personal loans, making it a cost-effective way to raise short-term capital.

8. Real-time tracking

Borrowers can monitor their loan account, lien status, credit limit, and interest charged through an online dashboard provided by the lender or depository participant.

9. Retention of ownership

Even after pledging, you continue to remain the owner of the securities. You receive all dividends, bonuses, and other benefits associated with the investments.

10. Scalable credit line

As the value of your portfolio grows, the available loan amount can be increased, offering a scalable line of credit to meet changing financial needs.

11. Minimal documentation

Since most of your KYC and demat details are already available through the depositories, you don’t need to submit multiple documents repeatedly.

12. Supports multiple securities

You can pledge various types of securities—equity shares, mutual funds, bonds, ETFs, etc.—under a single mandate for enhanced borrowing power.

In short, registering a LAS mandate online is a smart, swift, and strategic way to access funds while keeping your investments intact and growing.

Documents needed for loan against securities mandate registration

Registering a Loan Against Securities (LAS) mandate online requires specific documentation to verify your identity, financial status, and ownership of pledged securities. Here's a comprehensive list of documents typically needed:

1. Identity proof

PAN Card


Aadhaar Card


Passport


Voter ID


Driving License


These documents confirm your identity and are essential for KYC (Know Your Customer) compliance.

2. Address proof

Aadhaar Card


Passport


Voter ID


Driving License


Utility Bills (e.g., electricity, water)


Bank Account Statement

These documents verify your residential address.

3. Signature proof

PAN Card


Passport


Banker’s Verification


Signature proof is required for authentication purposes.

4. Demat account details

Demat Account Statement or Statement of Holdings


Pledge Form (for creation of pledge)


Annexure W / Lien Request Letter


These documents confirm ownership of securities and are necessary for the pledge process.

5. Income proof (if applicable)

Income Tax Returns (ITR) for the last 2 years


Audited Balance Sheet and Profit & Loss Account (for businesses)


Bank Statements for the last 3 months


Salary Slips


Income proof is required to assess repayment capacity, especially for higher loan amounts

6. Photograph

Recent Passport Size Photograph


A recent photograph is typically required for the application process.

Having these documents ready ensures a smooth and quick loan approval process. Requirements may vary slightly depending on the lender, so it's advisable to check with your chosen financial institution for any additional documentation.

Step-by-step guide to registering a loan against securities mandate online with Bajaj Finserv

Registering a Loan Against Securities (LAS) mandate online with Bajaj Finserv is a streamlined process that allows you to pledge your financial assets—such as shares, mutual funds, bonds, or insurance policies—as collateral to secure a loan. Here's a detailed, step-by-step guide to help you through the process:

1. Visit the Bajaj Finserv website

Navigate to the official Bajaj Finserv website.


Locate and click on the 'Apply Now' button under the Loan Against Securities section.

2. Sign in to your account using the service portal

Enter your registered mobile number.


Click on 'GET OTP' to receive a One-Time Password.


Enter the OTP to authenticate and proceed.

3. Provide personal details

Fill in your personal information, including:


Full name


Date of birth


Email address


PAN card number

4. Add securities for pledge

Specify the securities you wish to pledge, such as:


Equity shares


Mutual funds


Bonds


Unit Linked Insurance Plans (ULIPs)


Enter details like the name of the security and the quantity held.

5. Check loan eligibility

Based on the pledged securities, Bajaj Finserv will evaluate your eligibility.


A personalized loan offer will be generated, detailing the loan amount and terms.

6. Complete KYC verification

Submit necessary KYC documents, which may include:


Aadhaar card


PAN card


Passport-sized photograph

7. Review and accept loan offer

Carefully review the loan offer, including:


Loan amount


Interest rate


Repayment terms


Accept the offer to proceed with the loan agreement.

8. Register e-mandate for EMI payments

Set up an electronic mandate for automatic EMI payments.


This can be done through:


Net banking by entering login details and OTP


Debit card by providing card details and OTP


Ensure the mandate is authenticated successfully for smooth EMI deductions.

9. Pledge securities and sign agreement

Formally pledge your securities by signing the pledge agreement.


This legally binds the pledged assets as collateral for the loan.

10. Loan disbursement

Upon successful pledge and agreement, the loan amount will be disbursed to your registered bank account.


By following these steps, you can efficiently register for a Loan Against Securities mandate online with Bajaj Finserv, ensuring quick access to funds while retaining ownership of your investments.

Common issues and solutions in loan against securities mandate registration

Registering a Loan Against Securities (LAS) mandate online with Bajaj Finserv is generally a seamless process. However, borrowers may occasionally encounter certain challenges. Here's a guide to common issues and their solutions:

1. Incorrect login credentials

Issue: Unable to access your account due to incorrect mobile number or OTP.


Solution: Ensure you enter the correct registered mobile number. If issues persist, verify your credentials or contact customer support.

2. Unclear outstanding dues

Issue: Uncertainty about the total outstanding amount, including interest and fees.


Solution: Review your loan statement for a detailed breakdown. For assistance, contact Bajaj Finserv's customer support.

3. Non-release of pledged securities

Issue: Pledged securities not released post-loan closure.


Solution: Confirm loan closure and request the release of securities through Bajaj Finserv's portal or customer service.

4. Inconsistent loan records

Issue: Discrepancies in loan details, such as incorrect loan amount or tenure.


Solution: Regularly check your loan details on the Bajaj Finserv portal. Report any inconsistencies to customer support for rectification.

5. Unfamiliarity with the process

Issue: Uncertainty about the steps involved in registering the LAS mandate.


Solution: Refer to Bajaj Finserv's official guides or contact customer support for step-by-step assistance.


For ongoing management of your LAS, including checking your loan details, withdrawing funds, or downloading documents, visit the service portal.

If you wish to make a part prepayment or close your loan early, Bajaj Finserv offers a convenient part-prepayment facility through the same portal.

By staying informed and utilising the available resources, you can effectively manage your Loan Against Securities mandate registration and address any issues promptly.

Conclusion

Registering a Loan Against Securities mandate online with Bajaj Finserv offers a seamless and efficient way to unlock liquidity from your investments without selling them. With minimal documentation, flexible repayment options, and quick disbursal, it's an attractive financing solution for both individuals and businesses. By pledging securities like shares, mutual funds, bonds, or insurance policies, you can access funds up to ₹1,000 crore, depending on the value of your pledged assets. The process is user-friendly, allowing you to manage your loan conveniently through Bajaj Finserv's online portal. Whether you're looking to meet personal financial needs or support business growth, a Loan Against Securities provides a cost-effective and flexible borrowing option.