Loan Against Securities: How It Works, Eligibility, Interest Rates & Benefits

Author : Infinz Loan | Published On : 24 Aug 2026

What Is a Loan Against Securities? 

A loan against securities (LAS) is a secured loan where you pledge eligible investments such as shares, mutual funds, bonds, or other approved securities as collateral to borrow money. Instead of selling your investments to arrange funds, you can use their value to access liquidity. 

You can access funds when needed without selling your investments, allowing your portfolio to remain invested while you meet your financial requirements. 

The loan amount is generally determined based on the market value of the pledged securities and the applicable Loan-to-Value (LTV) ratio. This makes LAS a useful financing option for investors who have valuable securities but need access to funds for short-term or planned financial needs. 

Learn: https://www.rakshithafinserve.com/blogs/loan-against-securities-how-it-works