About LAS ( Loan Against Securities )
What is a LAS ( Loan Against Securities) ?
LAS, or Loan Against Securities, is a type of loan where you use your investments, like shares, mutual funds, or bonds, as security. You do not have to sell your investments to get money. The bank or lender gives you a loan based on their value. You can use the money for personal or business needs. After you repay the loan with interest, your investments remain yours and continue to stay invested.
WHY CHOOSE LOAN AGAINST SECURITIES?
Emergency Funds
Arrange instant funds during unexpected financial problems and situations.
Keep Investments
Continue owning your investments without selling valuable assets.
Lower Interest
Enjoy competitive interest rates compared to many unsecured loans.
Quick Approval
Get faster loan approval with simple documentation and verification.
Business Support
Manage working capital and business expenses with confidence.
Flexible payment
Choose a repayment tenure that matches your financial goals.
Top Financial Partners
Ready to Turn Your Securities Into Instant Liquidity?
Apply today with Grow Stellar for a fast, flexible Loan Against Securities tailored to your financial needs.
ELIGIBILITY & DOCUMENTS
LAS Eligibility
- Indian Citizen
- Age between 18–65 years
- KYC Compliance
- Valid identity and address proof.
- Stable Income Source
- Good Credit Score
- Ownership Proof
- Demat account
- Eligible Securities
Documents Required
PAN Card
Aadhaar Card
Address Proof
Salary Slips
Bank Statements
Details of Securities
Income Proof
LAS Eligibility
- Indian Citizen
- Age between 18–65 years
- KYC Compliance
- Valid identity and address proof.
- Stable Income Source
- Good Credit Score
- Ownership Proof
- Demat account
- Eligible Securities
Documents Required
PAN Card
Aadhaar Card
Address Proof
Salary Slips
Bank Statements
Details of Securities
All documents must be valid and updated. Additional documents may be required by the lender if required.
Loan Against Securities (LAS) EMI Calculator
Frequently Asked Questions
Which securities can be pledged for a LAS?
Most lenders accept listed shares, mutual funds, bonds, government securities, fixed maturity plans, ETFs, and certain insurance policies. Eligible securities may vary from one lender to another.
What is the maximum loan amount available under LAS?
The loan amount depends on the value and type of pledged securities. Most lenders provide a percentage of the market value, known as the Loan-to-Value (LTV) ratio.
Can I continue earning returns on pledged securities?
Yes. In most cases, you continue to receive dividends, interest, bonus shares, and other investment benefits while the securities remain pledged, subject to the lender’s terms.
Can I use a Loan Against Securities for any purpose?
Yes. Most lenders allow you to use the funds for personal needs, business expenses, education, medical emergencies, or home renovation. However, many lenders do not allow LAS funds to be used for stock market trading.
What is the Loan-to-Value (LTV) ratio in LAS?
The Loan-to-Value ratio is the percentage of your security’s market value that a lender offers as a loan. The ratio depends on the type of security and lender policies.
Is a Loan Against Securities better than a personal loan?
A Loan Against Securities often offers lower interest rates because it is a secured loan. It also lets you keep your investments instead of selling them.
Unlock Funds Without Selling Your Investments!
Turn your investments into instant liquidity with Grow Stellar’s Loan Against Securities, designed with competitive interest rates, flexible repayment, and a seamless application process.