Loan against Securities: A viable substitute of expensive personal loans
By Vaibhav Aggarwal
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Things to watch out for....

Though some lenders may provide LAS on a continued basis, the usual tenure of LAS is one year only, with the option of renewing it at the end of each year.

Since the value of equity based portfolio keeps on fluctuating on a daily basis, for equity based securities, the value of the overdraft may be revised every week (as the value of overdraft  is dependent on the value of the securities).

If a borrower has shares in physical form, almost all banks will require these shares to be converted into dematerialized form first, before applying for the loan. Though, few banks may provide loans on physical shares also.

Some lenders providing LAS


  • Axis Bank
  • Bajaj Finserve
  • HDFC Bank
  • ICICI Bank
  • ING Vysya
  • State Bank of India
  • Vijaya Bank
  • Dhanlaxmi Bank
  • UCO Bank
  • IDBI Bank

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