Quick Snapshots
- Instant cash against your Mutual Funds, Shares & Bonds—keep your portfolio intact.
- No pre-payment charges. Low EMIs. 100% digital.
- We help you borrow smart—without touching your long-term compounding.
Why Borrow Against Your Securities?
Keep your investments. Get cash today. Borrow against your portfolio with quick approval, low EMIs, and no pre-payment charges—without worrying about your CIBIL score.
Key features of loans against securities
- Instant approval & fast disbursal—funds can be ready the same day.
- Low EMI—pay less each month; interest only on what you use (OD mode).
- No pre-payment charges—close or part-pay anytime.
- Retain growth—stay invested; don’t miss market upside or dividends.
- No CIBIL anxiety—approval is based on your holdings, not past credit.
- Sleep easy during volatility—no forced selling when markets fluctuate.
- 100% digital—e-KYC, e-mandate, and pledging/lien online.
See My Eligible Limit
Abhiloans Types & How It Works
Product
Loan Against Securities (LAS)—secured by Mutual Funds, Listed Shares, and select Bonds.
Usage Options
- EMI Loan: fixed monthly instalments.
- Overdraft/Line of Credit: draw, repay, redraw; pay interest only on what you use.
Choose EMI or OD
Abhiloans Rates & Charges
- Starting ~8% p.a. (flat); actual offer depends on portfolio, LTV, and plan.
- Processing: typically ~2% (minimum may apply.
- No foreclosure / pre-payment fees.
Get a Personalized Quote
Abhiloans Eligibility Criteria
Who Can Apply
- Indian resident, 18+, with PAN & Aadhaar.
- Eligible holdings: Mutual Funds (CAMS/KFintech/Demat), approved listed shares, and select bonds.
- Credit score not a blocker if securities qualify.
Check Eligibility (No Credit Hit)
Documents Required for Abhiloans
Quick Checklist
- PAN
- Address proof Aadhaar/Passport/DL/Voter ID)
- Bank proof (cancelled cheque/statement)
- MF/Share/Bond details visible with CAMS/KFintech/NSDL for pledge/lien
- Optional: photo/signature (if requested during e-KYC)
Upload Docs Securely
Smart Reasons to Pick Loans Against Securities over a Personal Loan
Keep Compounding Intact
You don’t sell your holdings—so you retain fund growth and dividends.
Lower Cost, More Flexibility
Backed by securities = lower rates, no pre-payment charges, and the freedom to repay early.
Stay Calm in Volatile Markets
Your limit may move with prices, but you aren’t forced to liquidate. Don’t lose sleep when markets fluctuate.
Talk to an Advisor
FAQs
Will this affect my CIBIL score?
No hard pull for eligibility checks; sanction is primarily portfolio-driven.
How fast is disbursal?
Eligible cases can be completed the same day after e-KYC and pledge.
What’s my maximum limit?
Based on LTV of approved securities; we’ll show your instant eligible limit after verification.
Get My Limit Now
Apply in 3 Steps
1) Check Eligibility
Verify PAN, mobile, and holdings. No CIBIL impact.
2) e-KYC & Digital Pledge
Complete e-mandate and lien/pledge online.
3) Receive Funds
Choose EMI or OD and get money in your bank.
Start Application ➜
“2–5 minutes. No branch visit.”
Compliance Notes
- Rates/fees are indicative; final offer depends on eligibility and partner policy.
- Securities are pledged/lien-marked; limits vary with market value (LTV).
- Read agreement and charges before accepting.
Frequently Asked Questions — Loan Against Securities (Abhiloans via Investmentcover)
What is a Loan Against Securities (LAS)?
A secured loan where you borrow against your Mutual Funds, listed Shares, or select Bonds without selling them. You keep ownership and potential growth.
Will applying impact my CIBIL score?
Eligibility checks typically don’t require a hard pull. Final sanction may involve standard verifications per lender policy, but approval is primarily driven by your holdings, not past credit.
Check Eligibility (No Credit Limit)
How fast can I get the money?
In many cases, same-day after e-KYC and digital pledge/lien.
Get Instant Limit
What interest rate should I expect?
Rates start low for secured loans and depend on your portfolio value, LTV, and plan (EMI or OD). You’ll see your personalized offer before you accept.
Are there pre-payment or foreclosure charges?
Typically no pre-payment/foreclosure fees. You can part-pay or close early without penalties.
Do I continue earning dividends and growth?
Yes. You retain ownership of units/shares, so dividends/bonuses and market upside continue (subject to the scheme/stock).
What happens if markets fall after I take the loan?
Your available limit may adjust with NAV/price. You’re not forced to sell; you can add margin, repay partly, or hold—so you don’t lose sleep when markets fluctuate.
What’s the difference between EMI and OD (line of credit)?
EMI: predictable monthly instalment.
OD: draw-repay-redraw; interest only on what you use—great for variable needs.
How much can I borrow (LTV & limit)?
Limits are based on Loan-to-Value (LTV) of eligible securities. Higher-quality, approved holdings can mean higher limits.
Who is eligible?
Indian residents 18+ with PAN, Aadhaar, and eligible MF/Shares/Bonds visible through CAMS/KFintech/NSDL.
What documents are required?
PAN, address proof (Aadhaar/Passport/DL/Voter ID), bank proof (cancelled cheque/statement). e-KYC and pledge happen 100% online.
Can I top up later?
Yes. If your portfolio value rises or you repay, you can request a top-up subject to policy.
Are there processing or renewal fees?
Typically a processing fee and, in some plans, a renewal fee. You’ll see all charges clearly before accepting.
What if an EMI/NACH bounces?
A standard bounce charge may apply. You can switch to auto-debit and set reminders to avoid it.
Is my data and pledge safe?
We use secure consent-based fetch and regulated pledge/lien flows. Your data is encrypted and used only for your application.
Start Application – 2–5 Minutes
