A Loan Against Shares (LAS) is a secured loan that allows you to unlock the value of your existing investments without selling them. By pledging your listed shares or securities as collateral, you can access instant liquidity to meet personal or business requirements while continuing to enjoy the potential market gains of your portfolio.
This type of loan is ideal for individuals who need short-term funding for opportunities like business expansion, property purchase, or meeting working capital needs without disturbing their long-term investment strategy. At Real Finvista, we simplify the process by offering expert guidance, flexible repayment options, and competitive interest rates, ensuring your investments continue working for you even while you borrow.
The minimum share value depends on the lender’s policy, but generally, you can start with a portfolio worth ₹2–3 lakh or more.
No. You remain the owner of your shares and continue to enjoy dividends and price appreciation while they are pledged as collateral.
Typically, you can get up to 50–70% of the market value of your pledged shares, depending on the lender’s margin and the stock’s volatility.
You can sell or replace pledged shares only after clearing the corresponding loan amount or with prior approval from the lender.
If the value of pledged shares drops significantly, the lender may ask for additional collateral or partial repayment to maintain the required margin.
