Unlock liquidity without selling your investments
Pledge your shares, mutual funds, bonds, or insurance policies to access instant funds — while your investments continue to grow. No liquidation, no lost compounding.
Your portfolio works twice as hard
A Loan Against Securities (LAS) allows you to pledge financial assets — shares, mutual funds, bonds, or insurance policies — as collateral to access immediate liquidity. Your investments stay in your name and continue to appreciate while you use the funds.
Pragati connects you with 50+ banks and NBFCs offering overdraft facilities and term loans against your investment portfolio — with processing in as little as 24 hours and no prepayment penalty.
Key features of our LAS
Your investments remain in your name. You continue to receive dividends, interest, and capital appreciation while the loan is active.
Fastest loan processing in our product suite — most LAS approvals and disbursals complete within one to two business days.
Access funds as an overdraft — draw only what you need, repay anytime, and pay interest only on the amount actually used.
Borrow from ₹1 Lakh to ₹1 Crore based on the type and market value of your pledged securities.
Secured by your investments, LAS rates are significantly lower than personal loans — starting from just 9% p.a.
Repay whenever you have surplus funds — with no foreclosure charges on most LAS overdraft facilities.
Pledge equity shares, mutual funds, bonds, debentures, government securities, or insurance surrender value.
All fees — processing, pledge charges, renewal fees — disclosed upfront before you commit to any lender.
What you can pledge
NSE/BSE-listed shares held in NSDL/CDSL demat account. LTV varies by stock category and lender's approved list. Large-cap shares attract higher LTV.
Both equity and debt mutual fund units. Debt funds typically attract higher LTV (up to 80%). Units must be held in statement of account or demat form.
Listed corporate bonds, NCDs, and government securities. Higher-rated (AAA, AA+) instruments attract higher LTV ratios and better interest rates.
G-Secs, T-bills, and sovereign bonds attract the highest LTV across all security types — ideal for large loan requirements at competitive rates.
Life insurance policies with surrender value — ULIP or traditional endowment plans. LTV based on current surrender value, not sum assured.
RBI-issued Sovereign Gold Bonds held in demat or certificate form. Highly liquid collateral accepted by most PSU and private sector banks.
How to apply for LAS
Tell us what securities you want to pledge — type, quantity, and current market value. We assess your portfolio and estimate the maximum loan amount you qualify for.
We identify the best lender based on your security type, required loan amount, and preferred facility (overdraft vs term loan). Different lenders have different approved security lists.
Submit KYC documents and demat/portfolio statements. For insurance policies, policy documents are required. We handle lender coordination and form filling.
The selected securities are pledged in favour of the lender via CDSL/NSDL. A lien is marked digitally — your securities remain in your demat account but cannot be sold until the loan is repaid.
Once pledge is confirmed, funds are disbursed to your bank account — or your overdraft limit is activated — within 24 to 48 hours. Repay anytime with no penalties.
Are you eligible?
- Indian resident individual aged 21 years or above
- Valid demat account with NSDL or CDSL
- Minimum portfolio value of ₹1 Lakh in eligible securities
- CIBIL score of 660 or above recommended
- Securities must be from lender's approved list
- No existing pledge or lien on the securities being offered
- HUFs, companies, and partnership firms also eligible
- PAN Card + Aadhaar Card (KYC)
- Demat account statement (last 3 months)
- Portfolio valuation statement
- Bank account details for disbursement
- Address proof (utility bill, passport, or rent agreement)
- Insurance policy documents (if pledging policy)
- Photograph (passport size)
- NACH mandate for EMI deduction (if term loan)
Interest rates & charges
LAS interest rates are significantly lower than personal loans because your securities act as collateral. Rates vary by security type, LTV ratio, and lender.
Estimate your interest cost
💡 For overdraft facilities, you pay interest only on the amount drawn — not the full sanctioned limit. Actual cost may be much lower.
Frequently asked questions
