Hire Loan Against Securities Service in India
Lunexa Solutions simplifies the LAS process by offering guidance, document assistance, lender comparison, and a fast-track approval mechanism.
Managing financial needs today requires both smart planning and reliable access to funds. Whether you are growing a business, handling an emergency, funding education, or expanding investments—Loan Against Securities (LAS) is one of the most efficient, low-interest, and flexible financial solutions available to Indian borrowers.
But many people are still unaware of what LAS really means, how it works, how much loan they can get, and why it is often better than taking a personal loan or liquidating investments.
Overview of Loan Against Securities (LAS)
A Loan Against Securities is a type of secured loan where you pledge your financial investments instead of selling them. These securities can include:
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Equity Shares
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Mutual Funds (Debt, Equity, Hybrid)
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Bonds
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Government Securities
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ETFs
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LIC Policies
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Corporate Bonds
You continue to own your investments, while receiving a loan based on their value. The bank or NBFC holds these securities as collateral until the loan is repaid.
Why LAS is becoming popular in India:
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Lower interest rates compared to personal loans
-
Flexible repayment options
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No end-use restriction on funds
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Instant approval if securities are approved list
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Ideal for both individuals & businesses
Eligibility Criteria
Eligibility for Loan Against Securities is simple and flexible.
Below is a detailed guide:
Basic Eligibility Criteria
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Indian Citizen
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Age 21–65 years
-
Must own securities to pledge
-
Stable income source (preferred but not mandatory)
Eligible Applicants
-
Salaried Individuals
-
Self-employed professionals
-
Business owners
-
Traders
-
Investors
-
HUF
-
Trusts & Companies
Security Eligibility
Securities must be:
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Listed in approved securities list
-
Free from any lien
-
Legally owned
Credit Score Requirement
Most lenders require CIBIL 650+, but if security quality is strong, exceptions apply.
Minimum & Maximum Loan Amount
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Minimum: ₹50,000
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Maximum: ₹50 Crore or more (based on security value)
Lunexa Solutions helps you choose the right lender depending on your portfolio value.
For personalised eligibility check, contact:
Call +91-7388830379
Mail Us: info@lunexasolutions.in
Best Loan Against Securities Schemes and Offers
Lunexa Solutions is one of India's trusted financial consulting providers helping individuals and businesses secure LAS quickly and efficiently.
Loan Against Securities Interest Rates and Charges
Here are all the charges associated with taking a personal loan from Lunexa Solutions.
| Fees | Amount to be Paid |
|---|---|
| Annual Maintenance Charge (AMC)* | ₹1,800 plus GST (as applicable) |
| Processing fee/Loan processing charge* | Digital: ₹1,499 Physical: Equity/Debt MF/FMP/GDC Bonds- ₹3,500 NSC / KVP / GDC / Insurance policies |
| Processing Fee on enhancement cases | ₹500 for all Physical and Digital cases. |
| Stamp duty and other statutory charges | As per applicable laws of the state |
| Charges on drawings in excess of limits (due to application of interest or revaluation of portfolio under pledge) | Incremental Interest on Temporary Overdraft (TOD) interest up to 18% p.a. plus tax on the amount drawn in excess of the limit. This will be calculated on a daily product basis and levied monthly. |
| Dormant Account Penalty/Charges in case limit drops to zero* | - |
| Credit Information Companies (CICs) charges | Up to ₹50 per instance |
| Charges for changing from fixed to floating rate (An interest rate that is allowed to move up and down with the rest of the market or along with an index) of interest | Not Applicable |
| No Due Certificate/No Objection Certificate (NOC) | Nil |
| Duplicate no due certificate/NOC | Nil |
| Solvency Certificate | Not Applicable |
Lunexa Solutions is one of India's trusted financial consulting providers helping individuals and businesses secure LAS quickly and efficiently.
Expert Portfolio Evaluation
We analyze your securities to maximize the loan amount you qualify for.
Lowest Possible Interest Rates
We compare lenders to ensure you receive the most competitive LAS rates.
Fast Processing & Approval
Loan approval in 1–48 hours, depending on security type.
End-to-End Documentation Assistance
Our team handles everything—RTA approval, demat details, paperwork, and lender coordination.
Transparent Guidance
No hidden charges, No misleading commitments, Fully transparent from start to finish.
Strong Network of Banks & NBFCs
We partner with top lenders offering maximum LTV and lowest rates.
Personalised Financial Solutions
We understand each client’s financial objectives and provide tailor-made solutions.
Dedicated Relationship Manager
Every customer receives a dedicated professional for smooth support.
Our Legacy in Numbers
24 Hrs
100+
50Cr+
You share the list of securities you'd like to pledge.
Lunexa Solutions compares multiple banks/NBFCs to bring:
Basic KYC and portfolio statements are submitted.
Your securities are pledged in favour of lender.
Once pledge is confirmed, loan is sanctioned.
Loan is credited into your bank account within hours.
You can repay through: Bullet payment EMI (if applicable) Overdraft cycle Prepayment anytime
Once loan is fully repaid, lender removes pledge immediately.
Why Choose Loan Against Securities
Features & Benefits of Loan Against Securities
You Retain Ownership of Investments
Enjoy capital appreciation, dividends, interest, and bonuses.
No Need to Liquidate Investments
Protect wealth and long-term plans.
Lower Interest Compared to Unsecured Loans
Rates as low as 8.5%* depending on security type.
Flexible Overdraft Facility
Use only what you need. Interest applies only on usage.
Quick Disbursement
Funds often disbursed same day.
Flexible Repayment
Choose interest-only, bullet repayment, or revolving credit line.
Frequently Asked Questions
Frequently Asked Questions
Key Features
LAS offers several powerful features, making it one of the most preferred financial tools:
Ownership of Securities Remains with You
You still remain the investor. Gains, bonuses, dividends, and interest continue.
Attractive Low Interest Rates
Compared to personal loans (11–24%), LAS interest ranges from 8.5% to 11.5% depending on the asset and financier.
Flexible Repayment Options
Borrowers can choose: Bullet repayment, Monthly interest, Overdraft-based loan usage
No End-Use Restrictions
You can use borrowed funds for anything: Business operations, Education, Medical emergencies, Travel, Property booking, Investment opportunities
Immediate Liquidity
With Lunexa Solutions, approval can be received in 1–48 hours depending on asset type.
Overdraft Facility
Pay interest only for the amount utilized.
Benefits
High LTV for Debt Funds & Bonds
- Up to 80–90% lending value.
No Need for Guarantor
- Your securities serve as guarantee.
Easy Documentation
- Minimal paperwork required.
Suitable for Individuals & Businesses
- One loan solution for multiple needs.
Eligibility
Basic Eligibility Criteria
-
Indian Citizen
-
Age 21–65 years
-
Must own securities to pledge
-
Stable income source (preferred but not mandatory)
Eligible Applicants
-
Salaried Individuals
-
Self-employed professionals
-
Business owners
-
Traders
-
Investors
-
HUF
-
Trusts & Companies
Security Eligibility
Securities must be:
-
Listed in approved securities list
-
Free from any lien
-
Legally owned
Credit Score Requirement
Most lenders require CIBIL 650+, but if security quality is strong, exceptions apply.
Minimum & Maximum Loan Amount
-
Minimum: ₹50,000
-
Maximum: ₹50 Crore or more (based on security value)
Lunexa Solutions helps you choose the right lender depending on your portfolio value.
Loan Details
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Get up to 50% of the value with any Depository Participant.
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You are free to pledge shares from any Depository (NSDL or CDSL) and any Depository Participant across the country.
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NRIs can choose from options of shares, Mutual Funds (equity, debt of FMPs), insurance policies, NSC or KVP.
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When you opt for an Bank Loan Against Securities, we will create a Current Account with an overdraft limit for you. This way, you can enjoy all the facilities and benefits that come with a Current Account. You will also have access to features such as Phone Banking, NetBanking
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Individual customers who have an existing Demat Account with Bank can easily apply for a Loan Against Securities through NetBanking. To avail of the loan, simply log in to NetBanking using your Customer ID and IPIN. Click on the Demat Tab, and then click on the Request option on the left-hand side of the screen. Finally, click on Loan Against Securities, and select the shares that you'd like to offer as collateral from your Demat Account.
Who Should Consider Loan Against Securities?
Business Owners
- For managing cash flow, expansion, inventory purchase.
Salaried Individuals
- For personal needs, marriage, medical emergency.
Investors
- For leveraging portfolios without selling.
High Net-Worth Individuals (HNI)
- Who want instant liquidity.
Companies
- For working capital and vendor payments.
Common Mistakes to Avoid While Taking LAS
Not checking lender charges
- Processing fee, pledge fee, etc.
Not monitoring market volatility
- Scalar drop may reduce LTV.
Using full limit unnecessarily
- Interest increases on higher utilization.
Borrowing more than required
- Borrow responsibly.
Lunexa Solutions is a trusted financial consultancy firm offering personalised loan advisory and end-to-end support for Home Loans, Car Loans, Personal Loans, Business Loan, Loan against Securites, Loan against Properties and Credit Card L... Read More
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