Borrow money by pledging your existing investments without selling them.
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Disbursals
Loan Against Securities (LAS) lets you borrow money by pledging your existing investments — shares, mutual funds, bonds, and other eligible instruments — as collateral, without having to sell them. You get access to funds when you need them while your portfolio stays invested and continues to work for you.
It's a smart way to handle short-term cash needs, emergencies, or opportunities without disturbing your long-term plan. You retain ownership of your securities, continue to receive dividends and any potential upside, and repay on flexible terms — all through a fast, largely digital process with Sonvi Finmart.
Raise funds without selling — keep your long-term compounding intact.
Borrow against shares, mutual funds, bonds, and other approved securities.
Flexible access to money in the form of an overdraft-style limit; pay interest only on what you use.
Typically lower than most unsecured loans, because your loan is backed by collateral.
You continue to earn dividends, interest, and any market appreciation on pledged holdings.
Fast, digital pledging and quick disbursal, so funds reach you when you need them.
Tell us what you hold and how much you'd like to borrow; we assess eligible securities.
Based on the type and value of your securities, we sanction a loan limit after applying a margin (haircut).
Pledge your securities digitally in favour of the lender — you remain the owner.
Withdraw funds up to your limit; interest applies only on the amount you use.
Repay flexibly. As you repay, your limit is restored; unpledge securities once the loan is closed.
It depends on the type and value of your holdings. Lenders apply a margin, so you typically borrow a percentage of the current market value — often higher for debt instruments and lower for equities, in line with regulatory norms.
No. You pledge them as collateral but remain the owner. You continue to receive dividends, interest, and any market gains on the pledged securities.
If the market value of your pledged securities falls significantly, the lender may ask you to add collateral or repay part of the loan to maintain the required cover. We alert you early so you can act in time.
Often not. LAS usually works like an overdraft — you pay interest only on the amount used and can repay flexibly within the agreed terms. Specific terms are shared before you sign.
As with any secured loan, the lender may sell the pledged securities to recover dues. That's why we recommend borrowing conservatively and keeping a comfortable buffer.
