Loan Against Securities: Features and Advantages Explained

Know the key features and advantages of Loan Against Securities.

  • Check your loan against securities account

    Visit our service portal to view details of your existing loan.

Frequently asked questions

When will I receive the funds after applying for Bajaj Finserv Loan Against Securities?

After successfully applying and pledging shares/lien marking of securities, the loan amount will be disbursed to your registered bank account within 1 business day.

Which mutual funds of asset management companies (AMCs) can I pledge to get the Loan Against Securities?

You can pledge mutual funds of all AMCs registered with CAMS (Computer Age Management Services) and K-Fin Technology (Registrar) to get the Loan Against Securities (LAS) facility.

How frequently does my interest amount get deducted?

The interest for your Loan Against Securities (LAS) gets deducted every month from your bank account registered with us.

Do I need to pay interest on the entire loan amount sanctioned to me?

No. The interest is charged only on the utilised loan or outstanding loan amount.

How can I regularise the margin shortfall in my loan account?

You can regularise it by repaying the shortfall value, or you can choose to pledge additional securities.

What is the interest rate for a loan against securities?

The interest rate for a loan against securities varies depending on the lender, type of security, and the borrower's profile. It is generally lower than unsecured loans since the loan is backed by assets. Rates may differ based on market conditions and lending institution policies.

How much loan can I get against my securities?

The loan amount you can get against your securities depends on the type and market value of the pledged assets. Lenders typically offer a percentage of the current value as the loan amount, which can vary based on risk assessment and prevailing margin requirements.

Where can I apply for a loan against shares?

You can apply for a loan against shares through banks, non-banking financial companies (NBFCs), or online lending platforms. Applications are usually submitted via customer portals or apps, where you can pledge eligible securities digitally and complete the documentation process for quick approval.

I have shares in physical form. Can I avail a loan against them?

No, lenders usually do not accept physical share certificates for loan purposes. To avail a loan against shares, you must first dematerialise your physical shares and hold them in a Demat account. Only dematerialised securities are eligible for pledging with most financial institutions.

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