Your investments can do more than just grow over time; they can provide you with immediate financial support when you need it. At Anand Rathi Global Finance, we offer Loan Against Securities (LAS) that allow you to leverage your holdings of equity shares, mutual funds, and bonds to access quick Liquidity.

Why Opt for Loan Against Securities with Us?

Effortless Liquidity

Convert your financial assets into cash without selling them. Our LAS provides a convenient way to meet your immediate financial requirements without disrupting your investment strategy.

Competitive Interest Rates

We offer competitive interest rates on LAS, ensuring that you can access funds at a cost-effective rate.

Flexible Repayment Options

Tailor your repayment schedule to fit your financial situation. We work with you to ensure that your LAS doesn't become a burden.

Variety of Collateral

Pledge a range of financial instruments, including equity shares, mutual funds, and bonds, making it easier for you to secure the loan you need.

Quick Approval

Our streamlined process means you can get approval and access to funds faster than you might expect.

Expert Advice

Our team of financial experts is here to assist you in making the right decisions. We'll help you determine the optimal loan amount and repayment plan for your needs.

Why Opt for Loan Against Securities with Us? - ARGFL

Don't wait for financial emergencies to strike. Maximize the potential of your investments with Loan Against Securities from Anand Rathi Global Finance. Convert your assets into cash and secure your financial future today.

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Our LAS Products

Loan against shares

Loan against Shares is a secured loan facility against equity shares. Borrowers / Clients are required to pledge shares as collateral in favour of Anand Rathi Global Finance for availing loan facilities. Client will have the ownership in his name & all the benefits like - Dividend, Bonus, right issues will remain with them. This product is suitable for anyone who would want to take the inherent benefits of leveraging, and want to keep the delivery of the stock for longer period of time .Any appreciation in the value of the Securities given as collateral would in automatically allow enhancement in drawing power. Enables funding against shares to client without selling securities in the Market. Cost of LAS is lower than Personal Loan/Business & any other Loan. Overdraft and Term Loan available. In case of Overdraft Facility, Interest will be charged only on daily actual outstanding amount and there is No Prepayment Penalty. The loan amount depends on the security provided by the borrower. Early and Easy Account Opening Smooth And Seamless Operation.

Promoter funding

Promoters can meet their diverse requirements such as expansion and diversification of the business. Security cover for Promoter Funding is decided upon on a case-by-case basis . Normal tenure can be between 1 to 3 years. Very competitive interest rates.

Loan against Bonds

This product enables you to finance your needs in a timely fashion without compromising your investment. Depending upon the value of the bond that you have pledged and your overall eligibility, we will offer you a sanction limit for certain amount. Avail loan against bonds upto 80% loan to value Wide approved list of bonds.

IPO application funding

Initial Public offers (IPOs) are one of the rewarding investment opportunities available to investors. Good amount of profits can be earned in a very short term by investing in IPOs. Funding is allowed in Eligible IPO approved by ARGFL. Upfront Margin decided on case to case basis on total subscription expected in IPO ( Margin money to be paid upfront before Application bidding ). Attractive Interest Rate .

Loan against mutual fund

Avail loan against mutual funds with competitive interest rate.

Applicable Haircut

* Equity oriented Fund (open ended scheme)– 50%

* Debt Fund (open ended scheme)– 15%-20%

* Gilt Fund /Sovereign Bond – 15%-20%

* Corporate Bonds – 15%-25%

Our Features

HIGH LOAN VALUE

Get instant loans for up to Rs. 50 crores.

WIDE LIST OF APPROVED SECURITIES

Get easy loans against a variety of financial securities which includes equity shares, mutual funds and bonds.

EASY DOCUMENTATION

Fast turnaround with simple documentation and quick disbursals.

COMPETITIVE INTEREST RATE

Attractive rate on interest available on loan facility.

ONLINE ACCOUNT ACCESS

Attractive rate on interest available on loan facility.

EASY FUND WITHDRAWAL

Attractive rate on interest available on loan facility.

NO PAYMENT / FORECLOSURE CHARGES

Attractive rate on interest available on loan facility.

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Don't wait for financial emergencies to strike. Maximize the potential of your investments with Loan Against Securities from Anand Rathi Global Finance. Convert your assets into cash and secure your financial future today.

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FAQs

What is the maximum amount I can borrow with a loan against securities?

Anand Rathi Global Finance offers loans against securities from ₹10 lakhs to ₹5 crore digitally. Borrow up to 50% of approved equity shares' value and 90% of approved mutual funds' value. Enjoy instant disbursement and pay interest only on the utilized amount.

What If I want to borrow more than 5 crores?

We request you to email las@rathi.com and we will contact you.

My Shares/Bonds are not approved in your list. Can I get an exception?

Yes. Please place your request at LAS@rathi.com providing your Loan Application Details and we will get back to you looking at the overall portfolio as per the Regulatory guidelines.

Who is eligible for a Loan Against Securities?

An Indian resident holding approved securities can apply for a Loan Against Securities. ARGFL extends the loan facility to Individuals, proprietors, partnership firms, private limited companies, HUF, and public limited companies.

What is the interest rate for Loan Against Securities?

Anand Rathi Global offers competitive interest rates for loans against securities. The interest rates are linked to the Reference Rate of ARGFL.

What documents are required for Loan Against Shares?

To apply for a loan against shares, you’ll need to provide several essential documents, including income proof, details of Demat securities, identity proof, address proof, and credit score.

Which securities can be pledged to obtain a loan?

You can pledge ARGFL-approved securities, including equity shares, equity & debt mutual funds, and selective bonds.

What Is the Tenure of a Loan Against Shares?

The loan against shares tenure ranges from 12 to 60 months.

How many scripts are approved to avail of a loan?

ARGFL Approved Scripts are eligible for funding.

Who should I contact for any queries?

For assistance, you can email us at las@rathi.com. Please include your loan application details for reference.

Can I swap/change shares during loan tenure?

Yes, you can change the securities during the tenure of the loan as long as it is approved by ARGFL.

How often is the interest payment due?

The interest for the loan against shares facility is payable either monthly or quarterly.

What is the Loan-to-Value (LTV) ratio?

The loan-to-value (LTV) ratio for shares used as collateral is typically up to 50% of the share value and up to 90% for mutual funds.

How can I cover a shortfall?

You can address the shortfall by making a cash payment or pledging additional securities within the specified time limit.

What if I am unable to fulfill the shortfall within 7 business days?

In case you fail to fulfill the shortfall within 7 business days, ARGFL holds the right to sell the pledged shares to make good the shortfall.

When can I release my shares?

You can release shares, provided you are not in shortfall and have excess withdrawable funds available. The request will be processed within minimal time post-verification.

Is there an origination fee or processing fee charged when applying for a loan against shares?

Yes, ARGFL charges a processing fee of up to 1% of the loan amount (inclusive of applicable taxes).

What are the features of a loan against shares?

A loan against shares is a type of loan offered by banks and financial institutions, where a borrower can pledge their shares as collateral to obtain a loan. Here are some of the features of a loan against shares:

  • *Collateral: A loan against shares is a secured loan where shares are used as collateral. The amount of the loan depends on the value of the shares pledged.
  • *Loan amount: The loan amount is typically a percentage of the market value of the pledged shares. For ARGFL it is up to 50% of the market value of the shares and up to 90% on MF.
  • *Repayment: The borrower can repay the loan amount anytime during the tenure of the loan.
  • *Prepayment: ARGFL allows the borrower to repay the loan amount.

What are the eligibility criteria for applying for a loan against shares?

The eligibility criteria for a loan against shares with ARGFL are:

  • • To be an Indian citizen.
  • • Age should be between 18 to 80 years.
  • • You must either be Salaried, or self-employed.

Are there any prepayment charges?

No, You can pre-pay a loan without any prepayment charges.

I am an NRI - Can I apply for a Loan against shares?

No. A NRI is not eligible for funding.

Can I provide third-party securities?

We do accept third-party securities on case to case basis depending on the relation between borrower and security provider, Please email at LAS@rathi.com for further details.

How do I know the funds eligible for disbursement?

You will get an email every day detailing your loan facility and withdrawable amount.

Will I be charged on the sanctioned amount or the utilized amount?

Your interest will be charged on the utilized amount and interest will be levied on the daily O/S limit.

I have an NSDL DP. Can I pledge online?

Yes if you are a single holder in the DP, you can pledge the securities.

I have a CDSL DP, can I pledge online?

While all loans will be processed, securities will need to be manually presented to the respective DP partner. Our representative will get in touch with you to assist you in your journey.

I wish to have a co-borrower on the loan. Can I process it online?

You can initiate all the processes of the loan facility. The pledge will have to be done manually. Our representative will get in touch with you to assist you in your journey.

How frequently is my loan valuation done?

Valuation is done daily. In addition in case of extreme volatility, ARGFL reserves the right to value the securities on a real-time basis.

How can I make payment to my loan facility?

Please make the payment on the website and we will adjust it against the loan facility.