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LOAN AGAINST SECURITIES

Unlock Liquidity
From Your Investments

Explore financing options against eligible securities and access liquidity without necessarily selling eligible investments, subject to lender policies, security eligibility and applicable terms.

Apply Now Check Eligibility
Multiple Financial Solutions Digital Application Flexible Financing Options* Transparent Process
LOAN AGAINST SECURITIES
₹20,00,000 Investment Value
Eligibility Check
Indicative Funding
₹12,00,000*
Security Type
Mutual Funds
Estimated EMI
Calculate Below
Tenure
3 Years
*Illustrative Example
Mutual Funds
Equity Securities
Bonds
Access Liquidity

Explore financing against eligible securities.

Retain Eligible Investments*

Access financing without necessarily liquidating eligible investments, subject to lender terms.

Digital Process

Simple online application experience.

Multiple Lender Options

Explore suitable financing options from applicable lenders.

What Is A Loan Against Securities?

A Loan Against Securities is a financing facility where eligible financial securities may be accepted as security for a loan or credit facility, subject to lender policies, security eligibility, valuation and applicable terms.

ELIGIBLE INVESTMENTS
SECURITY ASSESSMENT
FINANCING
REPAYMENT
RELEASE OF SECURITY
Eligible Securities

Securities accepted by the applicable lender.

Security Value

Financing may depend on the value and type of eligible securities.

Loan Terms

Interest, tenure and other terms depend on the lender and applicant profile.

What Securities May Be Eligible?

MUTUAL FUNDS

Explore financing options against eligible mutual fund units accepted by applicable lenders.

EQUITY / SHARES

Certain eligible listed securities may qualify subject to lender policies and applicable requirements.

BONDS / DEBT SECURITIES

Eligible bonds or debt securities may be considered by applicable lenders.

OTHER ELIGIBLE SECURITIES

Eligibility depends on security type, issuer, valuation and lender policy.

Security eligibility varies by lender, security type, issuer, valuation and applicable policy.

Why Explore Financing Against Securities?

Access Liquidity

Explore liquidity options without necessarily selling eligible investments.

Business Requirements

Explore financing for eligible business needs.

Personal Financial Needs

Explore funding for eligible personal requirements.

Investment Continuity*

Depending on the facility, eligible investments may remain invested while pledged.

Flexible Financing Options*

Explore suitable financing structures.

Digital Application

Simple digital application experience.

Where Can The Funds Be Used?

Business Working Capital

Explore financing for eligible business cash-flow requirements.

Business Expansion

Support planned business expansion requirements.

Education Expenses

Explore funding for eligible education-related needs.

Medical Expenses

Explore financing for eligible medical requirements.

Personal Financial Needs

Explore suitable financing for eligible personal requirements.

Other Planned Expenses

Explore financing for other permitted requirements subject to lender terms.

Permitted end-use depends on the lender and loan product.

Loan Against Securities Features

Investment-backed Financing*
Multiple Security Options*
Flexible Financing Structures*
Digital Application
Multiple Lender Options
Transparent Process
*Availability depends on security eligibility, lender policy and applicant profile.

How Is The Loan Amount Determined?

SECURITY VALUE
ELIGIBLE SECURITY TYPE
APPLICABLE LENDER MARGIN / LTV
ELIGIBLE FINANCING AMOUNT
CREDIT & PROFILE ASSESSMENT

The financing amount may depend on the market value, type and eligibility of the security, applicable lender margin or LTV requirements, and the applicant's financial and credit profile.

Check Your Loan Against Securities Eligibility

Provide a few details to understand your indicative financing eligibility.

Indicative Assessment Parameters

Applicant Name Required
Mobile Number Required
Age Years
Employment / Business Type Entity/Role
Monthly Income ₹ Estimated
Existing Monthly EMI ₹ Obligation
Credit Score CIBIL Estimate
Security Type MF / Equity / Bonds
Investment / Security Value ₹ Estimated
Required Loan Amount ₹ Amount
Preferred Tenure Years / Months
Check Eligibility

Loan Against Securities Calculator

Indicative calculation only Explore illustrative financing scenarios.

₹
%
Example: 50% for equity, up to 80% for some debt funds (varies by lender).
Indicative Eligible Amount (Value × %)
₹10,00,000
₹
%
Yrs

Repayment Summary

Estimated Monthly EMI

₹32,502

Required Loan
₹10,00,000
Total Interest
₹1,70,086
Total Payment

₹11,70,086

*Calculations are illustrative. Actual financing may be structured as an overdraft or term loan.

Documents You May Need

APPLICANT

  • Identity Proof
  • Address Proof
  • Income / Financial Documents
  • Bank Statements

SECURITY / INVESTMENT

  • Investment / Security Details
  • Holding Statement
  • Security Ownership Details
  • Other lender-required documents
Document requirements vary depending on the lender, applicant profile, security type and financing structure.

How Loan Against Securities Works

01
Check Eligibility
02
Submit Application
03
Security Verification
04
Credit & Loan Assessment
05
Financing & Security Pledge Process
Exact process varies by lender and facility.

From Your Investments To Financial Liquidity

ELIGIBLE SECURITY
SECURITY VERIFICATION
PLEDGE / CHARGE CREATION
FINANCING
REPAYMENT
RELEASE SUBJECT TO TERMS

Facility Structure

Security Value ₹20,00,000
Indicative Financing ₹12,00,000
Interest Rate Illustrative
Tenure 3 Years
Illustrative Example Only

Before You Apply

  • Security eligibility varies by lender.
  • Market value of securities may fluctuate.
  • Financing amount may depend on applicable margin / LTV.
  • Additional documentation may be required.
  • Final terms are subject to lender assessment and verification.

Why Explore Loan Against Securities With OMFINX?

Multiple Financial Solutions
Simple Digital Experience
Transparent Process
Investment-backed Financing Options
Customer Support
Financial Guidance

Loan Against Securities FAQs

It is a financing facility where eligible financial securities (like mutual funds, shares, or bonds) are kept as collateral with the lender to access funds, typically without having to sell the investments.

Eligibility depends on the lender's policy. Generally, approved mutual funds, listed equity shares, bonds, and certain life insurance policies may be considered. Not all securities are eligible.

Yes, many lenders accept eligible equity and debt mutual fund units as security, subject to their approved list and valuation norms.

Certain eligible listed equity shares may qualify as security, though this is strictly subject to the lender's approved stock list and margin requirements.

Yes, eligible bonds or specific debt securities may be considered by applicable lenders, subject to their policies.

No, the primary benefit of this facility is that you can access liquidity by pledging the securities. They remain invested in the market, though a lien is marked in favor of the lender.

It is determined based on the market value of the pledged securities multiplied by an applicable margin (Loan-to-Value ratio) set by the lender, as well as the applicant's credit profile.

Interest rates depend on the lender's policy, the type of security pledged, the loan amount, and the applicant's credit profile.

Standard KYC documents (Identity and Address proof), income/financial documents, and specific holding statements/details of the securities to be pledged are typically required.

Yes, funds can generally be used for legitimate personal or business requirements, subject to the lender's approved end-use policy.

If structured as a term loan, EMI is calculated based on the principal, interest rate, and tenure. If structured as an overdraft facility, interest is typically calculated only on the utilized amount.

Since market-linked securities fluctuate, if the value drops below a certain threshold, the lender may ask you to pledge additional securities or prepay a portion of the loan to maintain the required margin.

Need Liquidity Without Selling Eligible Investments?

Explore suitable Loan Against Securities options with OMFINX.

Apply Now Check Eligibility

Disclaimer: OMFINX facilitates access to financial solutions and does not guarantee loan approval, interest rates, loan amounts, financing percentage or disbursal. Final terms are subject to the respective lender's eligibility criteria, policies, security eligibility, valuation, documentation, credit assessment and verification. Market-linked securities may fluctuate in value and may be subject to applicable lender requirements.

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