Loan Against Securities

With a loan against securities, you may make the best use of your financial assets. Get up to 85% of the value of your security, which could include life insurance plans, bonds, mutual funds, and so on. The interest rates for Loan Against Securities are the most reasonable.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Eligibility Criteria

Typically, Loan Against Securities Eligibility Criteria is determined by a variety of elements such as the applicant's age, monthly wage or business income of co-applicant, course type and domicile, and so on.

  • Individuals must be between the ages of 21 and 60.
  • Should be a salaried employee of a sole proprietorship, partnership, private trust, private limited company, or public limited company, or self-employed.
  • The bank from which you are borrowing money must approve your security.
  • Nationality - Indian resident

Documents Required

Individual

  • Two Photographs
  • Pan Card Copy
  • Aadhar Card + Passport
  • Address Proof (If Rented, Also Required Permanent Address Proof)
  • Last 3 Years Form-16, ITR With Computation Of Income (If Filed)
  • Last 1 Year Bank Statement (Salary Account)
  • Loan Schedule & Sanction Letter (If Running)
  • Complete Property Papers With Chain & Map + ATS
  • Processing Fee Cheque In Favour Of the Bank
  • Last 3 Months Salary Slip + Appointment Letter

Proprietorship Firm

  • Photograph of Proprietor
  • Clear Copy of Pan Card (Proprietor)
  • Address Proof (Passport, Voter ID) of Proprietor
  • Latest Office Address Proof (Electricity Bill, Telephone Bill)
  • Firm Registration Certificates & GST Registration Copy
  • Last 1 Year GST Return Copy
  • Firm’s 3 Years ITR, Computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, All Schedules & Annexures
  • Provisional Financials AY 2023-24
  • Bank Accounts (Current Account, CC, OD - Last 1 Year Updated)
  • 6 Months Saving Account Statement (Proprietor)
  • If Any Loan Running – Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers With Chain + Sanction Map

Partnership Firm / LLP

  • Partnership Deed Copy
  • GST Certificate
  • Last 1 Year GST Return
  • 3 Years Company ITR, COI, Profit & Loss A/C, Balance Sheet + Audit Report (3CB, 3CD), All Annexures & Schedules (CA Certified)
  • Provisional Financials AY 2023-24
  • All Partner’s Individual ITRs + Computation (Last 3 Years)
  • Firm’s Bank Statements (1 Year Updated)
  • All Partner’s Saving A/C Statements (Last 6 Months)
  • If Any Loan Running – Latest Sanction Letter + Track Record / Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers – Complete Chain with Map

Private Limited Company (Pvt Ltd)

  • All Director’s Photographs
  • Clear Pan Card – Company and All Directors
  • Address Proof – Company and Directors
  • List of Directors & Shareholders (CA Certified as on Date)
  • Memorandum (Order in Hand and Complete Copy, if Applicable)
  • GST, Sale, VAT, and SSI Registration Certificate
  • 1 Year GST Returns
  • All Directors’ Individual ITRs & Computation (Last 3 Years)
  • Last 3 Years Complete Financials with Tax Audit Report and Annexures
  • Provisional Financials FY Last Year or Month-wise Sales Figures (Last 1 Year)
  • All Company Bank Account Statements (1 Year Updated)

FAQs

Got questions? Our FAQs have answers and a sprinkle of humor. Dive in and discover more!

1. What is the process of obtaining a loan against securities?

This loan is classified as an unsecured loan because the bank requires collateral to be pledged. When you pledge your mutual fund or insurance policy as an asset, a specified amount will be deposited to your account and operate as an Overdraft Facility, allowing you to pay interest on the amount used.

2. What are the advantages of a loan secured by securities?

It provides a digital application for speedy distribution, low interest that only pays interest on the amount used, and various tenure options.

3. What is the current interest rate on a loan against securities?

Interest rates typically vary from 10.50% to 13.00% per annum.

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