Loans Against Securities
A Loan Against Securities (LAS) is a type of loan where you pledge your financial investments as collateral to borrow money from a bank or financial institution. Instead of selling your investments, you temporarily use them to get funds.
What counts as “securities” ?
These are financial assets like:, Shares (stocks), Mutual funds, Bonds, Insurance policies (in some cases), ETFs (Exchange-Traded Funds)
Benefits Of LAS
Smart features designed to give you confidence and clarity.
Ownership stays with you
You retain ownership and may still earn dividends, interest, or bonuses.
Interest rates
Generally lower than personal loans because the loan is secured.
Flexible usage
Funds can be used for most personal or business needs (not for speculative trading in many cases).
Repayment options
Often offered as an overdraft facility—you pay interest only on the amount used.
Quick processing
Faster approval since collateral is already available
Tenure
Usually short to medium term, depending on the lender.
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