Loan Against Securities
Unlock liquidity from your investments without selling them to get funds while keeping them intact.
Immediate Liquidity Access
Retain Investment Ownership
Competitive Interest Rates
Flexible Repayment Options
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
Step 1
Assess Your Portfolio
Identify which securities you plan to pledge
Step 2
Submit Your Application
Provide your security details and desired loan amount.
Step 3
Loan Approval
We evaluate your pledged securities and sanction a loan based on their value (up to 50% LTV).
Step 4
Receive Funds
Quick disbursal ensures you can use your loan proceeds right away.
Step 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
