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Liquidity from Your Investments - Without Selling
Get An Instant Loan: Borrow against your mutual funds, stocks and bonds
What is a Loan Against Securities?
Loan Against Securities is a secured loan that allows investors to borrow funds by pledging their securities, such as stocks, bonds and mutual funds as collateral.
This option provides you with the flexibility to access immediate funds without the need to sell your valuable investment-assets. Your investments continue to earn returns while you use the funds to meet personal needs.
Loan Details and Charges.
Know it all before you pledge your valuable securities.
Eligibility
An Indian of age 18 - 75 years
Minimum Portfolio Value
₹ 20,000
Loan Tenure
Up to 3 years (Renewable)
Minimum Loan Amount
₹ 10,000
Maximum Loan Amount ₹ 1,00,00,000
Equity Mutual Funds: Up to 65% LTV
Debt Mutual Funds: Up to 75% LTV
Fixed Processing Fee
2% of the loan amount or Rs1000 (whichever is higher) + GST
Why Choose Creddinv and Abhi Loans?
1 of 3
Trusted Partnership
Expert Guidance
Customer First
Powered by Abhi Loans, a leader in digital lending solutions. Abhiloans is a product of KNAB Finance Advisors Private Limited, a non-deposit NBFC regulated by the Reserve Bank of India (RBI).
How does it work?
Assess Your Portfolio
Calculate the value of your securities based on market prices.
Eligibility
Borrow 50% to 75% of the value of your pledged securities. The loan amount is based on your portfolio's market value.
Pledge and Approval
Digitally pledge your securities. Your loan gets approved and disbursed directly into your account.
Repay with Flexibility
Repay your loan as per the agreed schedule and reclaim full control over your investments.
Wealth at your End
All through this tenure your investments fetch returns plus you have achieved your goals through the loan.
Benefits of Loan Against Securities
Discover how you can make your investments work for you while maintaining ownership. Benefit from lower interest rates compared to unsecured loans.
Mutual Funds
Leverage equity and debt mutual funds as collateral to access funds while continuing to earn returns.
Shares
Pledge your shares to secure a loan without selling your holdings or affecting dividends.
Bonds
Utilize bonds to obtain liquidity while maintaining steady interest earnings.
Insurance
Avail loans against eligible insurance policies while keeping the coverage intact.
Frequently asked Questions
General FAQs
1. What is a loan against securities?
A loan where you can pledge securities like mutual funds, shares or bonds as collateral to get instant funds without selling your assets.
2. Who can apply for a loan against securities?
Indian citizens aged between 18 to 75 years with a portfolio value above ₹15,000.
3. What types of securities are accepted for loans?
Accepted securities include mutual funds, shares, bonds and insurance policies.
4. What is the minimum and maximum loan amount?
The minimum loan amount is ₹15,000, and the maximum is ₹1 crore, depending on the value of your portfolio.
5. What is the interest rate for a loan against securities?
Interest rates start at 0.67% per month or 8% per annum.
6. What is the loan tenure?
Loans can be availed for up to 3 years, with an option for annual renewal.
Eligibility and Application
1. What are the eligibility criteria for a loan against securities?
You must be an Indian resident with a valid PAN, Aadhaar, email ID and mobile number.
2. Can I apply if I have a low credit score?
Yes, loans against securities do not require a credit score check, as the securities serve as collateral.
3. Can jointly held securities be pledged?
Jointly held securities cannot be pledged online, an offline procedure is available.
Features and Benefits
1. What is the loan-to-value (LTV) ratio for securities?
The LTV ratio is up to 65% for equity mutual funds and 75% for debt mutual funds.
2. What are the charges for processing the loan?
Processing fees are 2% of the loan amount or ₹1,000, whichever is higher, plus applicable GST.
3. Are there foreclosure charges?
No foreclosure charges are applied for repaying the loan early.
4. What is the promise of loan disbursal time?
Loans are disbursed within 4 hours of approval.
Special Scenarios
1. Do I lose ownership of my securities when I take the loan?
No, the ownership remains with you, and you can continue to earn returns on your investments.
2. Is it mandatory to have a Demat account?
No - if you are pledging mutual fund assets for the loan, you don’t require a Demat account.
Yes - if you are pledging stocks and/or bonds for the loan, securities must be held in Demat form to be eligible for the loan.
3. Can I top up my loan or withdraw securities?
Yes, top-up or withdrawal options are available without additional charges.
4. Can a loan be availed by pledging securities held in a company’s name?
Yes, Abhi Loans allows loans against securities held in a company’s name, provided the necessary documentation is completed as per the process.
5. Is it possible to pledge securities held by family members such as a spouse, children, or parents?
Yes. However, all such individuals must be included as co-borrowers or security providers to complete the loan process.
6. Can I make partial payments on my Loan Against Securities?
Yes, partial prepayments are allowed for overdraft (OD) loans, letting you pay any amount during the loan tenure.
7. Do margins need to be maintained daily? What happens if there’s a shortfall?
Yes, daily margin maintenance is required. In case of shortfalls, you must restore the margin by pledging more securities or repaying the loan partially.
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