Loan against securities is a secured lending option that lets you pledge shares and mutual funds as collateral to access funds quickly, without disrupting your investment portfolio. Using securities as collateral for loans proves ideal for covering short to medium-term financial needs, offering a seamless borrowing experience against your existing investments.
One of the key benefits of secured lending against investments is that it empowers you to access cash without liquidating your portfolio. You continue earning returns on your securities while using them to meet your financial requirements.
At Nihal Fintech PVT LTD, you can secure a loan against securities at a competitive interest rate through a hassle-free application process. Before applying, understand margin call requirements to ensure your pledged securities maintain the required value throughout the loan tenure.
Valid identification proof like PAN card, Aadhar card, Voter ID, or Passport.
Submit ITR documents for loan approval along with recent salary slips or Form 16 to verify your income and strengthen your loan application.
Recent bank statements to verify your financial status and repayment capability.
Address proof via utility bills, rental agreement, or government ID.
Property documents like sale agreement, builder-buyer agreement, and certificates ensure legal status.
Your credit score for LAS eligibility reflects your creditworthiness and repayment history a key factor in loan approval.
Yes, you can pledge mutual funds as collateral and access instant liquidity while your investments stay untouched and continue growing. This makes it ideal for short to medium-term financial needs without breaking your long-term investment plan.
You'll need ID proof (PAN/Aadhar/Voter ID/Passport), income proof (ITR or salary slips), bank statements, address proof, and a credit report. Our team keeps documentation simple to get your application moving quickly — contact us to get started.
A margin call happens when the value of your pledged securities drops below the required threshold, and you're asked to add funds or securities to maintain the loan-to-value ratio. Understanding this upfront helps you plan your pledge amount wisely — our advisors can walk you through it before you apply.
Loan against securities interest rates are typically lower than unsecured loans since your investments back the loan. Nihal Fintech works with partners like ICICI, Axis, and Kotak to help you secure a competitive rate — get in touch for a personalized quote.
Your credit score reflects your creditworthiness and repayment history, and it's a key factor lenders use alongside your pledged securities to determine loan terms. A strong score can help you unlock better rates — check your eligibility with our team.
Since securities are easy to value and pledge, this loan type typically offers faster processing than property-backed loans. Our hassle-free application process is designed to get you funds quickly when you need them - apply now for a fast turnaround.
Our financial experts are ready to help you navigate your journey with personalized solutions.
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