Loan Against Securities (LAS) allows you to unlock liquidity from your existing investments while retaining full ownership of your portfolio. With Nirmaya Wealth, you can access a secured financing facility by pledging your equity shares, mutual fund holdings, or other eligible securities. Loans are available from ₹25,000 up to ₹100 Crore, with interest rates starting at 10.25% per annum, applied only on the utilized amount and duration.
Full Ownership: Maintain complete ownership of your investments while enjoying potential market gains.
Dividends and Interest: Continue to receive dividends and interest from your pledged securities even while availing the loan.
Leverage Portfolio Value: Access the value of your portfolio to capitalize on new investment or wealth-building opportunities.
No Fixed EMIs: Pay interest only on the amount you use, for the duration you use it.
Competitive Rates: Benefit from attractive interest rates applied solely on the drawn amount.
Flexible Repayment: Repay your loan anytime—partially or fully—without penalties.
No Extra Costs: Close the loan whenever you want without hidden charges or hassles.
No Lock-in Period: Perfect for short-term or emergency funding needs, with the freedom to walk out anytime.
Nirmaya Wealth facilitates loans against securities for the following categories:
Loans can be availed against:
Unlock instant liquidity without liquidating your investments. Contact our relationship manager today to get a quick assessment and know the loan-to-value applicable for your securities.
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