Apply Loan Against Securities With Nivesh

Loan Against Securities (LAS) allows you to borrow funds and retain portfolio/ investments and fulfill immediate/short-term requirements at the same time.In Loan Against Securities pledge your Equity Shares, Mutual Fund Holdings, Fixed Maturity Plan Investment, Insurance and Bonds. Nivesh Brings you a quick and secured financing Loan against securities from Rs. 25,000 onwards to Rs.100 Cr rates starting from 10.5% per annum.

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Features and Benefits of Loan Against Securities- an Instant Overdraft Facility

Ownership

In Loan Against Securities Ownership of Investment remains with you.

Income

In Loan Against Securities, you continue to Enjoy Dividend/income from Investments.

Leverage

In Loan Against Securities, you can leverage the existing portfolio and invest in higher return on investments for further wealth creation.

No EMI

Loan Against Securities works like an overdraft account there are no EMI, only interest to be serviced every month.

Interest Rate

Loan Against Securities interest starts at a rate as low as 10.5% and that too, only on the amount utilized.

Charges

In Loan against Securities there no prepayment charges, no lock-in period.

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Our Partners

Mirae Asset Financial Services

Bajaj Finserv

Standard Chartered

Nivesh is facilitating loans against securities to the following categories that are Indian registered for a tenure of 12 months and renewable thereafter up to 3 years.

  • Individuals
  • Corporates
  • HUF & Partnerships
We cater to a minimum loan amount of Rs. 50,000 and the same can go up to Rs. 100 Crores.
For Equity, the loan to value is 50%.
For Hybrid, The loan to value is 60-75%
For Debt, the loan to value is 70-80%.
For Government Bonds, The Loan to value is 90%.
Contact our relationship manager now to request a quick assessment of loan to value for your securities.

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Frequently Asked Questions (FAQs):

1. Is Loan Against Securities a Good Idea?

Loan against securities is suitable for those individuals who require emergency funds but do not want to sell their investments. It works similar to an overdraft facility but is cheaper.

2. What Is a Loan Against Securities?

Loan against securities is a loan that a customer can avail by pledging his or her investments in favor of the lender. This loan can be availed without selling your investments.

3. What is the Purpose of Loan Against Securities?

Loan against securities come as a quick funding respite for contingencies, personal needs and sometimes even for the undefined goals. They are also one of the most convenient and quick forms of loan one can avail at ease.

4. Important Features of Loan Against Securities at Nivesh

  • Easy and convenient process.
  • Can be availed online.
  • Only interest is paid on the monthly outstanding loan amount.
  • You can swap the pledged securities
  • Comes with a wide range of approved securities
  • Exclusive Relationship Support from Nivesh

5. Do We Have the Option of Foreclosure or Part Payments on My Loan Against Securities?

Clients can choose to foreclose loans against securities any time after the payments of interest and principal amount.

6. Is There Any Option to Pledge Securities of My Family Members to Apply for a Loan Against Securities?

An overdraft account will be set up with customized drawing limits allowing you to utilize the funds as and when required. This drawing limit will be based on the quality and quantity of shares and other securities pledged by you.

7. Do You Consider Securities Only in the Demat Form?

No, all the securities that you pledge for loan against securities can be in the demat account or Physical mode. During the application process the account manager can confirm if any mutual fund units or any other physical securities can be accepted in the physical form.

8. How Will the Disbursement of Loan Against Securities be Done?

An overdraft account will be set up with customized drawing limits allowing you to utilize the funds as and when required. This drawing limit will be based on the quality and quantity of shares and other securities pledged by you.

9. Does the Process Involve Revaluing My Portfolio?

Your portfolio will be reevaluated daily as per the market rates. However, in case of high volatility and sharp falls in the market, an interim revaluation can also be done.

10. Is There an Option to Pledge More Securities During the Loan Tenure?

Yes. You can pledge more securities for upgrading the drawing limit on your overdraft account. It usually takes up to 2 working days for the upgrade to reflect in your account.

11. Can we Apply for a Loan Against Securities as an Organization/HUF?

Yes you can apply for a loan against securities as an organization, HUF or as a non-individual entity. Your business should be a registered business with an existence proof of at least 2 years.