Loan Against Securities
Best option to meet short term requirement while keeping long term goals intact

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About LAS

  • What is Loan against Securities?
  • How does LAS work?
  • Eligibility
  • Documentation
What is Loan against Securities?

What is Loan against Securities?

Loans against Securities is a type of an overdraft facility wherein you need to pledge mutual fund units as collateral and get the loan ranging from Rs.2 lacs to 10 crores. To meet your immediate fund requirement LAS is the best option rather than selling your existing investment.

You don’t have to provide any additional security or collateral except the securities you are pledging!

How does LAS work?

How does LAS work?

Loan against Securities are typically offered as an overdraft facility wherein you draw money from the account anytime you want (up to the sanctioned amount), and you need to pay interest only on the loan amount you draw and for the period you use it.

For example, your LAS has been sanctioned for Rs. 5 lacs. Now let’s say, you draw Rs 1 lacs and after 20 days you deposited the amount back into your loan account. In this case, interest will be charged on Rs.1 lac for 20 days.

The amount of loan you are eligible for depends on the value of the securities you offer as collateral

Loan Eligibility


In order to apply for a Loan against Securities, you must meet
the following eligibility criteria:

  • Loan will be available in the name of Primary holder only
  • Applicant must be a resident citizen of India
  • Applicant must be in the age group of 18 to 70 years
  • This facilities is not available to HUF, NRIs & Minors
  • Loans are granted only against the list of approved Mutual Fund/scheme
Loan Documentation


  • Passport size photograph
  • Loan agreement duly signed
  • NACH mandate duly signed
  • Loan sanction letter duly signed
  • Pledge request letter duly signed
  • Cancel cheque leaf
  • Self-attested Pan Card
  • Self-attested Address Proof (Aadhaar Card OR Driving License OR Election Card)

Why LAS?

Quick Access
to Finance

Pledge your MF units and get the instant loan to meet your financial requirements without liquidating your investments

Interest on

One of the biggest benefits of LAS is that interest is charged only on the amount withdrawn and for the time period it is being utilized.

Retention of

LAS facilitates you to reap benefits that come from your investments as you still enjoy the ownership of mutual fund units.

Zero part-payment and
foreclosure charges

As there are no prepayment and foreclosure charges you can repay your loan at your convenience.

Other Features of LAS

sanction amount

Get higher amount of loan sanctioned on the same value of investment (max up to 3 times of the eligible amount of loan).


Request withdrawal from your loan account and get the money credited into your bank account as and when it is required.

Online Access of
Loan Account

Manage your loan account anytime and from anywhere from your login id on FundzBazar

Interest Rate & Charges

Interest Rate

Loans against Securities come to you at an attractive interest rates as given below. This rate may vary from time to time.

Loan Sanction Amount Interest Rate


Loans against Securities come to you at an attractive interest rates as given below. This rate may vary from time to time.


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