Get Loan Against Shares in just 4 Hrs Only
Instant Loan Against Shares
Do you need of funds on your investment? No need to redeem your Shares and Mutual funds, Avail Loan Against Shares & Mutual Funds online and get an overdraft limit within 4 hrs of the same day. Continue to retain your investments in shares and manage your short-term expenses at the same time.
Lowest Interest Rate (Start With Flat 8% p.a)
Loan Payment Credit in Just 4 Hrs
Digital Process took only 5-10 minutes
- Low Interest Rate ( Start With 8% Flat)
- Loan Amount Credit in Just 4 Hrs
- Digital Process took only 5-10 Min
What is Loan Against Shares?
Loan Against Shares is a secured credit facility that allows investors to get instant loan against your shares, Mutual Funds & Bonds as collateral. In this process your ownership of the shares, Mutual Funds & bonds remains investors.
In Simple words A loan against shares is a financial service product that allows you to borrow money against the securities of your stock market investments, such as equity shares, bonds, mutual funds, etc. It is a completely online and secure process to access funds in quick times of financial requirement.
How to Apply for Loan?
Step - 01
Fill the lead form at Divadhvik to Open Loan Account
Step - 02
Upload your KYC documents to start the lending process.
Step - 03
Mark lien on the mutual funds or shares starting at Rs 15,000
Step - 04
Relax now - your loan will be disbursed into your a/c within 4 hrs
Eligibility & Documentation
This is an end to end digital and online process. Hence, there is no requirement to be submitted of physical document and forms. You can apply for limit, withdraw funds & repay utilized amount online directly
- You should be a resident Indian individual
- You should hold valid mutual funds with CAMS & Kfintech (RTAs)
- You should have a valid email id and mobile number
- You should have a valid PAN & Aadhaar Card
- You should be between 18 to 75 years of age
- You should have a valid bank account number and a cheque copy
Our Lending Partners
We’ve built a platform where India’s best financial ecosystem all together to empower investors through loan against securities to ease their challenges in investment journey.
Loan details & Charges
Our aim is to cater to your financial needs with utmost transparency with no hidden charges.
Sanction Loan Eligibilty
Mutual Funds ( 50% to 80%)
Stocks & Debt (50% to 80%)
Amount Eligibility
Rs 15,000/- to 20 Cr
Interest Rates
Start with Flat 8% P.A
Up to 16% P.A
Processing Fee
Start with Flat Rs 1000 + GST to Up to 3% + GST P.A
Loan Tenure
From Min 12 Months
Max 36 Months
Penal Interest Charges
From 2% P.M to 36% P.A
Bouncing Charges
Rs 500 to 1000 + 18%GST
Other Charges
Upto 1500 + 18% Gst
Keep Learning & Keep Growing
FAQ's on Demat Account
LAS or loan against shares & mutual fund is easiest and simple way to get funds instantly for your any financial need. You just have to pledge your shares or mutual funds units as collateral to avail this instant loan facility. Instant loans against shares & mutual funds are easily accessible both online and offline. The approval process is straight-forward & fast. Moreover, it comes with great benefits, such as lower interest rates, flexible repayment options.
The loan amount could range from 50-75% of the value of the shares & mutual funds you pledge as security, varying from lender to lender. It is essential to assess the market worth of your shares & mutual funds and evaluate the requirements set by the lender before applying for a loan against mutual funds.
Divadhvik & landing partner provides you with a wide range of options when it comes to loan amounts on your mutual funds. Starting from ₹15,000, you can get up to ₹1 Crore, with flexible repayment terms. We offer a 65% Loan-to-Value ratio on equity mutual funds and 75% LTV on debt mutual funds.
This facility is currently available for customers maintaining approved* mutual funds or shares registered or depositary with CAMS, Kfintech & NSDL. ( * Approved as per MAFS policy)
- Be resident Indian. Non-Resident Indians (NRIs) are currently not eligible for this loan.
- Be between 18 to 75 years of age
- Have a valid PAN & Aadhaar Card
- Have a valid email id and mobile number
- Have a valid bank account with net banking facility
What types of securities can be pledged for a loan?
You can pledge various types of assets like:
Shares or Bonds
Mutual Funds
Sovereign Gold Bond (SGB)
How much can I borrow against my security?
The loan amount is typically determined based on the value of the security you pledge. Generally, you can borrow up to 50-80% of the market value of your asset.
What are the interest rates for loans against Security?
The interest rates for LAS are competitive and vary depending on the type of security pledged, loan amount, and tenure. Rates are designed to be affordable and flexible from flat 8% p.a to 16% p.a.
How long does it take to get approved for a loan?
Once you submit the necessary documents and the value of your asset is appraised, the loan can be approved and disbursed within a few days, depending on the complexity of the case.
What is the repayment structure for the loan?
The repayment terms for the loan are flexible. You can choose from a range of options, including monthly EMI plans or lump-sum payments at the end of the tenure.
Is there a processing fee for the loan?
Yes, there are a nominal processing fee depending on the amount borrowed. This fee will be disclosed upfront before loan approval.
What happens if I am unable to repay the loan on time?
In case of non-repayment, the pledged security may be liquidated to recover the outstanding amount. However, our team will work with you to explore possible solutions before taking any drastic measures.
How secure is my asset during the loan tenure?
Your asset remains completely secure while it is held as collateral. We ensure complete transparency, and the asset will only be accessed in the event of a default after all attempts for repayment have been exhausted.
