Loan Against Shares
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Loan Against Shares up to ₹40 Crores*
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Zero Foreclosure & Pre-Payment Charges
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High Loan Amount of up to 70% of Security Value
Loan Against Securities - Quick Highlights
Need funds without liquidating your investments? With a Loan Against Securities (LAS), you can unlock the value of your shares without giving up ownership. At Tata Capital, you can avail a loan against shares, mutual funds, bonds, or debt securities at attractive interest rates and zero foreclosure charges. Get access to loan amounts up to ₹40 crores while your assets continue to earn returns. Meet your financial goals with Tata Capital’s seamless Loan Against Securities Online facility. Whether it’s a loan against equity shares or mutual funds, enjoy instant liquidity without compromise.
Disclaimer: Loans are at the sole discretion of Tata Capital Limited (TCL). T&C apply.
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Loan Amount Loan Tenure
Offline Channel: Upto 72 Months
₹ 75,000 - ₹ 40 crores
Digital Channel:
₹ 25,000 - ₹ 5 crores
Loan Against Shares Interest Rates, Fees & Charges
Type of Charge Applicable Rate
Rate of Interest 10% - 20% (depending on quantity and quality of securities)
Nonrefundable Processing fees (in Rupees) Up to 3% of the loan amount + GST (mentioned in the loan agreement, varies from partner to partner)
Stamp Duty (in Rupees) At Actual
Document Processing Charges (in Rupees) Nil
Pledge Charges -LAS Nil
Lien creation charges-LAS-MF Rs 350 per RTA (Registrar and Transfer Agent) per Lien creation
Lien Invocation/Revocation Charges-LAS-MF Rs 100 per RTA (Registrar and Transfer Agent) per Lien Invocation/Revocation
*Terms & Conditions apply.
Documents Required To Avail Loan Against Shares
INDIVIDUAL
Online Journey
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PAN & Aadhaar Card details
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Mobile No. linked to Aadhaar card
Offline Journey
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PAN CARD
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
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SIGNATURE : Pan card / Passport / Banker sign verification
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PROPERTORSHIP
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
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SIGNATURE : Pan card / Passport / Banker sign verification
Any two of Following (Should contian address on the documents)
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Registration Certificate
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Certificate/ license issued by the Municipal authorities under Shop & Establishment Act
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CST/VAT/GST Certificates
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Complete Income Tax Return in the name of the sole proprietor with Firm Income
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Sales and Income tax returns
PARTNERSHIP /LLP
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
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SIGNATURE : Pan card / Passport / Banker sign verification
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Partnership Deed
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Registration Certificate (only in case of registered Partnership Firms)
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PAN of the partnership firm
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LLP Resolution (if LLP)
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Authority Letter from Partners
COMPANIES
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
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SIGNATURE : Pan card / Passport / Banker sign verification
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Certificate of Incorporation
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Memorandum & Articles of Association
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PAN of the Company
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Board Resolution
TRUST
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID
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SIGNATURE : Pan card / Passport / Banker sign verification
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Registration Certificate
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Trust Deed
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PANCARD of Trust
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Trust Resolution
HUF
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ID : Aadhaar Card / Passport / Driving Licence/ Voter ID
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ADDRESS : Aadhaar Card / Passport / Driving Licence/ Voter ID ;
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SIGNATURE : Pan card / Passport / Banker sign verification
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Hindu Undivided Family Letter (Annexure 2) signed by All Co-parceners
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PAN Card of HUF
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Bank Statement of HUF as a Address Proof
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CA Certified Letter confirming all Co-parceners
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HUF Authorisation letter signed by All Co-Parceners
How to Apply for Loan Against Securities?
ONLINE APPLICATION
Online
Get swift access to funds by applying for a Loan Against Securities through our online application process. In fact, if you don’t have the time to finish the application, we may call you to assist you with the process.
OFFLINE APPLICATION
Virtual Assistant
Why waste your precious time waiting for a response? We get you real-time answers to all your queries with our 24/7 virtual assistant.
Features for Loan Against Shares
Tata Capital’s Loan Against Securities allows you to leverage your investments for financial needs without liquidating them. Here are the key features:
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High Loan Amounts
At Tata Capital, we offer substantial loan amounts against your securities. Through our offline channel, you can avail of loans ranging from Rs. 75,000 to Rs. 40 crores, while our digital channel offers loans from Rs. 25,000 to Rs. 5 crores. This flexibility ensures significant financial leverage without the need to sell your investments.
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Attractive Interest Rates
We offer attractive interest rates, ranging from 10% to 18% per annum, depending on the quality and quantity of the securities pledged.
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Multiple Securities Accepted
We accept various forms of securities for loan against securities, including company stocks, mutual funds, bonds, and other debt securities. However, each type of asset has specific documentation requirements. Therefore, it is advisable to consult with our representative before applying for a hassle-free process.
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Zero Foreclosure Charges
Our Loan Against Securities comes with zero convenience fees, zero prepayment charges, and no foreclosure charges. This allows you to repay your loan anytime without incurring additional costs, offering greater financial flexibility.
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Payment via Cheque/NEFT/RTGS
Tata Capital provides various repayment options for your LAS. You can make interest payments via cheque, demand draft, or pay order. We have also implemented NACH/E-NACH facilities, allowing you to set up automatic debits for your interest payments, ensuring a smooth and hassle-free repayment process.
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Quick Disbursement
We understand the urgency of financial needs, which is why we ensure a quick turnaround time of one to two days for fund disbursement once your application is approved. This prompt service helps you address your financial requirements without delay.
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Interest Only on Actual Amount Used
This account allows you to withdraw funds as needed, with interest charged only on the amount you use, not the entire loan limit. This ensures you only pay for what you use, offering a cost-effective borrowing solution.
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Digital and Paperless Process
Our loan application process is entirely digital and paperless, making it highly convenient and hassle-free. You can apply online, submit your documents digitally, and track your application status in real time.
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Dedicated Customer Support
Tata Capital offers dedicated customer support to assist you throughout the loan process. Whether you have questions about the application, disbursement, or repayment, our customer support team is always ready to help.
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Secure Transactions
We prioritise the security of your transactions. All your personal and financial information is protected with advanced security measures, ensuring peace of mind throughout the loan process.
Important RBI /Regulatory Updates
Legal Identity Identifier (LEI) : If a non-individual borrower has an aggregate exposure of Rs. 5 crore and above from banks and financial institutions, then that borrower shall be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized Local Operating Unit (LOU) within the timelines mentioned below as per different exposure brackets shall not be sanctioned any new exposure nor shall they be granted enhancement of any existing exposure.
Total Exposure LEI to be obtained on or before
Above Rs.25 Cr April 30, 2023
Above Rs.10 Cr upto Rs.25 Cr April 30, 2024
Rs.5 Cr and above, upto Rs.10 Cr April 30, 2025
FAQs Related To Loan Against Shares
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What is the maximum & minimum loan amount that can be availed under a loan against securities?
With Tata Capital, you can unlock the true potential of your investments. You can avail a Loan against securities of a minimum amount of Rs. 75k to a maximum amount of Rs. 40 Crores in the offline mode and a minimum amount of Rs. 25k to a maximum amount of Rs. 5 Crores in the digital mode
2. What is the interest rate for LAS?
At Tata Capital, we offer loans against securities at an attractive interest rate starting from 10% to 18%, depending on the quantity and quality of the securities you pledge. This competitive range ensures that the loan terms are tailored to fit your financial profile and investment value, providing you with affordable borrowing options.
3. What is the objective of obtaining a Loan Against Securities?
The primary objective of obtaining a Loan Against Securities is to leverage your investments to meet urgent financial needs without selling your assets. This allows your investments to continue appreciating while you access funds for various purposes, such as business expansion, medical emergencies, personal expenses, or other financial commitments.
4. What is the interest rate for a loan against securities?
Tata Capital offers you a loan against securities at competitive interest rates starting from 10% - 18% (depending on quantity and quality of securities)
5. How much loan can I get against my securities?
Tata Capital’s Loan against securities is a convenient loan option against your equity investments. Earn high returns on investment and get access to quick funds up to Rs. 40 crores.
6. Where can I apply for a loan against shares?
Applying for a loan against securities is quick and easy with Tata Capital. All you need to do is check our loan against securities page and complete our online application process. You can also visit our nearest branch to get started.
7. What are the benefits of taking a loan against securities from Tata Capital?
A loan against securities helps meet your urgent financial obligations with utmost ease and convenience. Here are a few benefits of availing a loan from Tata Capital-
Quick online application process
Easy access to funds against investments such as equity shares, bonds, and mutual funds
Competitive interest rates
Zero foreclosure and pre- payment charges
High loan amount
Low processing fees
Approved List of 800+ Equity Shares
8. Whose securities can I pledge?
You can pledge your own securities, or those of your blood relative (parents, spouse, children and siblings only) above 18 years of age. If you are pledging securities that belong to anyone other than yourself, the security holder must be a signatory to the Revolving Credit agreement as a Co-Applicant.
9. Should my securities be in Demat form?
Yes. All your shares must be in Demat version. Mutual fund units can be in Demat or in physical form.
10. I have shares in physical form. Can I avail a loan against them?
Yes, you can avail a loan against your shares by simply converting them into the dematerialized form through a depository account.
11. How will disbursement take place?
The loan facility will have drawing limit which depends upon the quality & quantity of the shares/mutual funds units pledged, which you can utilize as and when required.
12. How much will the loan cost me?
You will be charged a nominal processing fee. The interest will be charged only on the amount you draw and for the period that you draw it. Also, the interest will be charged on a daily basis, but will be debited to your account only once a month. Visit our Service Charges page to know more.
13. Is a personal guarantor required?
No. You don’t need a personal guarantor.
14. What collateral or security should I provide?
You don’t need to give any other collateral or security apart from the shares/mutual fund units, against which the loan is guaranteed.
15. Is there an option to make prepayment?
Yes, you can prepay your loan when you want.
16. Can I add more securities to the same loan?
Yes, you may pledge more securities to increase the drawing power of your account.
17. How do I pay interest accumulating in my account every month?
A monthly notification will be given, informing you about the interest due. You can make the payment through Cheque/NEFT/RTGS/Other Online modes.
18. If I don’t meet any of the criteria of the loan, can I still avail it?
Yes, you can still avail the loan based on your profile, credit strength etc. Please feel free to contact us, so we can advise based on the merits of your case.
19. What is the minimum age to take LAS?
A loan against securities is a convenient loan option that allows you to manage all your varied financial needs easily. The minimum age to apply for a loan against securities with Tata Capital is 18 years.
If you have any investments to your name and don't want to liquidate them to fulfil your urgent financial needs, a loan against securities is a convenient option. It is a multipurpose loan, so whether you want to handle a medical emergency or make any big-ticket purchases for the family, you can easily apply for a loan if you're 18 or above.
20. Is there a charge in the LAS Account if there are no limits?
There are no charges for maintaining the account however there are certain charges at the time of account opening. Charges at the time of account opening include nonrefundable processing fees and stamp duty. At Tata Capital, we levy a one-time processing fee only for processing loan applications. . Fortunately, you have access to a large fund, so you don't have to worry about limits. With us, you can avail a loan a minimum amount of Rs. 75k to a maximum amount of Rs. 40 Crores in the offline mode and a minimum amount of Rs. 25k to a maximum amount of Rs. 5 Crores in the digital mode.
21. What is the minimum and maximum loan amount in Loan Against Securities?
At Tata Capital, you can apply for a high loan amount to fulfil your various financial needs. Depending on your investments or securities you want to pledge, you can get a loan amount ranging from Rs. 75000 to Rs. 40 crores in the offline channel and from Rs. 25,000 to Rs. 5 crores in the digital channel .On an average you get close to 50-70% of the market value of the security you offer.
This can be perfect if you have different needs without having to take out a loan or liquidate your assets. Also, unlike traditional loans, you do not have to pay any prepayment penalty or foreclosure charges. This can be highly beneficial if you want to close your loan earlier than expected.
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