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What is a Loan Against Securities (LAS)?

A Loan Against Securities (LAS) is a financial service that allows you to borrow funds by pledging eligible securities—such as stocks, bonds, and mutual funds as collateral. With PFISIPL’s LAS facility, you gain quick access to liquidity while preserving your long-term investments. It’s an ideal solution for meeting immediate personal, business, or investment needs without forgoing the potential returns from your portfolio.

Phillip Finance & Investment Services India Private Limited (PFISIPL) is registered with the Reserve Bank of India (RBI) as a Non-Banking Financial Company (NBFC). We are a non-public deposit-taking NBFC, providing Loan Against Securities (LAS) facilities to help you access liquidity without selling your investments.

Explore Loan Against Securities

Loan Against Shares

Pledge equity shares to access liquidity and still enjoy potential dividends.

Loan Against Mutual Funds

Borrow funds by pledging mutual funds as collateral, without exiting your positions.

Loan Against Government Securities

Leverage secure government securities to finance various obligations.

Loan Against Bonds

Convert your corporate bond holdings into readily available capital.

Benefits of our Loan Against Securities

No EMIs or Prepayment Charges

Interest is charged only on the utilised amount, for the duration it is actually used.

Flexible Collateral List

The list of approved securities is regularly updated and typically includes the exchange’s VAR-1 Group.

LTV (Loan-to-Value) Ratio

Per RBI guidelines, the LTV for loans sanctioned by NBFCs must be less than 50%.

Competitive Interest Rates

Rates vary based on the collateral cover, ensuring you get a fair deal.

Eligibility Determination

Loan limits are assessed based on the borrower’s net worth and income.

Documentation Made Simple

We require KYC documents, a completed Loan Account Form (including income and net worth certificates), an agreement, plus the specific terms & conditions of the LAS facility.

How Loan Against Securities Works

  1. Assess Your Portfolio

    Identify which securities you plan to pledge

  2. Submit Your Application

    Provide your security details and desired loan amount.

  3. Loan Approval

    We evaluate your pledged securities and sanction a loan based on their value (up to 50% LTV).

  4. Receive Funds

    Quick disbursal ensures you can use your loan proceeds right away.

  5. Monitor & Repay

    Keep track of your portfolio’s value and repay as per your agreed schedule. You’re free to prepay anytime without penalties.

FAQs on Loan Against Securities

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