Loan Against Securities1
You no longer need to sell your long term investments for your liquidity needs.
Loan Against Securities (Shares and Mutual Funds units) from IFSL empowers you to avail immediate liquidity against your long term financial investments and earn all investment benefits as well. The product can be availed of by pledging listed Equity Shares / Mutual Fund units in favour of IFSL, the lender.
Key Features
| Tenure | Maximum of up to 12 Months |
| Security | As per approved list of securities |
| Loan Amount | Minimum of  5/- LacsMaximum of 45 Crores to an Individual and 75 crores at group level |
| Loan to Value | "Loan to Value" of upto 75% of your shares (listed and approved equity shares) and from 60% to 90% for approved units of the Mutual Fund Schemes |
| Interest | Interest is calculated on daily outstanding balance and debited to your loan account at the end of every month |
| Eligibility | Resident Individuals ,Public and Private limited companies, Registered partnership firms |
Benefits
- Interest Charged only on outstanding amount and only for utilized duration
- Competitive interest rates
- Exhaustive number of approved securities
- Simple and quick loan processing
Major Variants
Now getting loans against shares( LAS) or Loans against Mutual Funds ( LAM) is not only easy but also comes with two different product variants so that you can choose the one that best suits your needs.
Fixed Loans - LAS / LAM
- Loan for predefined terms of 3 months - 12months
- Pre-payment option: Subject to pre-payment charges
Line of Credit - LAS/LAM
- Options for multiple withdrawals and repayment
- Tenure: 1 year
All the terms and conditions mentioned above are tentative and for information purpose only. They are subject to change from time to time based on various factors including compliance with the KYC/AML by the applicant client, risk gradation of the applicant client, tenure and type of the loan; credit, interest rate policies, etc. of IFSL.
1 Terms & Conditions subject to change from time to time.
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