Loan Against Securities

At StarInvest, we offer Loan Against Securities (LAS), a smart way to leverage your financial assets without liquidating them. This facility allows individuals to obtain loans by pledging their stocks, mutual funds, bonds, insurance policies, or other financial instruments as collateral. By opting for a loan against securities, you can access instant liquidity while continuing to enjoy the benefits of your investments, such as dividends, interest, and potential capital appreciation. Whether you need funds for personal expenses, business expansion, education, or medical emergencies, LAS provides a hassle-free financing solution with minimal documentation and quick processing.

Eligibility Criteria for Loan Against Securities

To avail of a Loan Against Securities from StarInvest, you must meet the following criteria:

1. Age: The applicant must be at least 18 years old.
2. Nationality: Available for Indian residents and Non-Resident Indians (NRIs) (subject to specific conditions).
3. Type of Borrowers: Both salaried individuals and self-employed professionals/business owners are eligible.
4. Creditworthiness: A good credit score and financial stability enhance loan approval chances.
5. Securities Accepted: The borrower must hold approved financial assets, such as:
   • Equity shares listed on stock exchanges
   • Mutual fund units (equity & debt)
   • Government bonds & corporate bonds
   • Insurance policies with surrender value
   • Exchange-Traded Funds (ETFs) and Fixed Maturity Plans (FMPs)

Requirements for Loan Against Securities

To apply for a Loan Against Securities, you need to submit the following:

1. KYC Documents
   • PAN Card
   • Aadhaar Card / Voter ID / Passport / Driving License (as address proof)
2. Income Proof (For Self-Employed & Business Owners)
   • Latest ITR filings
   • Bank statements (last 6 months)
   • Audited financial statements (if applicable)
3. Securities Statement
   • Demat account holdings
   • Mutual fund statement (from the depository or fund house)
4. Loan Application Form
   • Duly filled and signed
5. Margin Money (if applicable)
   • Depending on the type of security pledged, a margin requirement may apply.

Key Benefits of Loan Against Securities from StarInvest

✅ Instant liquidity without selling investments
✅ Flexible repayment options – pay interest only or EMI-based repayment
✅ Minimal documentation and quick processing
✅ Competitive interest rates
✅ Continued ownership of securities with full investment benefits

With StarInvest’s Loan Against Securities, you can maximize financial flexibility while keeping your investments intact. Apply today and leverage your assets for smarter financial management!