What We Do
Loan Against Securities
Avail liquidity against your shares, mutual funds and bonds without liquidating your investments.
With IndiaNivesh’s Loan Against Securities (LAS) facility, you can take care of your financial needs without liquidating your investments.
You can pledge your shares, mutual funds or securities as collateral and avail LAS ranging from Rs. 5 lacs to Rs. 10 crores (Rs. 7.5 crores against shares/mutual funds and Rs. 10 crores against bonds/debt instruments), with quick processing.
The IndiaNivesh advantage
Loan amount
We provide Loan Against Securities to the extent of up to 50% of the market value on approved scrips and mutual funds, and to the extent of up to 70% of the Net Asset Value (NAV) for mutual funds.
Interest
Interest is charged only on the amount utilised and not on the entire loan.
Repayment
Only the interest needs to be repaid monthly via ECS or PDCs. The principal amount can be repaid at the end of the term of the LAS.
Overdraft
The amount available under Loan Against Securities can also be availed through an overdraft facility.
Additional finance
Based on your requirements, you can also avail additional finance on your loan against securities by pledging more shares, mutual fund units or similar securities.
Security swap
You retain the flexibility to swap securities in accordance with your stock market outlook, while also enjoying the benefits of dividends, bonuses and rights issues on your mutual fund units, shares and bonds.
Margin Trade Funding (MTF)
Margin Trade Funding offers customers the opportunity to invest, leverage or trade in equity shares at a pre-defined margin. Margin Trade Funding is a mechanism that allows trading with borrowed funds or securities. MTF permits the customer to pay just a portion of the total scrip purchase price, with IndiaNivesh providing a loan against the balance amount. The loan amount and scrip purchase are subject to the quality of the securities already owned by the customer.
Margin Trade Funding helps to leverage existing shareholdings. You can pay the requisite margin in cash or in the form of approved shares (as listed by IndiaNivesh). In India, margin trading is allowed for Group I securities and for securities included in IPOs that satisfy the conditions of the derivatives segment in the stock market.
Features of Margin Trade Funding
- Collateral: securities as per the list of approved shares
- Tenure: up to 1 year
- Minimum loan amount: Rs. 25 lakhs
- Loan margin: 50% and above
Please contact us for the list of approved shares at the time of applying for the loan.