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Frequently Asked Questions
Can I get a loan against my mutual funds?
Yes, we offer Loan Against Securities (LAS) which allows you to get liquidity without selling your long-term investments.
What is the interest rate for Loan Against Securities (LAS)?
Interest rates are typically much lower than personal loans and are charged only on the amount you actually utilize.
Will I still receive dividends on my pledged securities?
Yes, all corporate actions like dividends, interest, and bonuses continue to accrue to you even when the shares are pledged.
What happens if the market value of my pledged shares falls?
If the value drops below a certain margin, you may need to either pledge more securities or repay a part of the loan to maintain the required LTV ratio.
What is the maximum loan amount I can get against my portfolio?
Typically, you can get up to 50% for equity mutual funds/shares and up to 80% for debt funds or bonds.