PORTFOLIO-BACKED FINANCING
Loan Against Shares
A Loan Against Shares lets you unlock the value of your equity portfolio without selling it. Pledge your listed shares held in demat and get an approved overdraft limit you can draw from whenever you need it for an investment opportunity, a business requirement or a personal need. Your shares stay in your name and stay invested.
Listed equity shares
Held in your demat account
Pledged digitally — no physical paperwork
Benefit cards
01
Overdraft facility - interest on amount utilised only
Pay interest only on what you withdraw, for the period you use it. No EMIs, no post-dated cheques.
02
24/7 withdrawal facility
Withdraw and repay online at any time. No physical request or email needed weekday or weekend.
03
Stay invested, keep the upside
Your shares remain in your demat account. You continue to receive dividends, bonus and rights entitlements.
04
Zero foreclosure and repayment charges
Prepay in part or in full at any point during the tenure at no cost.
05
Digital process and minimal documents
Pledge your shares and get your limit sanctioned in a few steps. Fully online and paperless.
06
Simplified evaluation
Sanction is based on the securities you pledge, not on detailed income documentation.
How it works
1
Share your holdings
Tell us the shares you hold in demat. We check them against the lender’s approved securities list and indicate the limit you can expect.
2
Pledge digitally
Pledge your shares online through your depository, authorised by OTP. No forms, no branch visit.
3
Draw as you need
Your overdraft limit goes live. Withdraw, repay and re-use it any time interest applies only on what you use.
Lending partners
Loans are arranged through our lending partners including Bajaj Finance, Piramal Finance and more.
Not sure how much you can raise against your portfolio? Talk to us and we’ll work it out with you.
Loan approval, limit, tenure and rate of interest are at the sole discretion of the lending partner and are subject to their credit policy and their approved list of eligible securities. AK Investments acts as a distribution partner and does not lend.
Frequently Asked Questions
What is a Loan Against Shares?
A Loan Against Shares (LAS) lets you borrow money by pledging shares held in your demat account, without selling them. You remain the owner of the shares and continue to receive dividends, bonuses and other corporate benefits. AK Investments arranges these loans through our RBI-regulated lending partners, based on the value of your approved shares.
How does a Loan Against Shares work?
You select shares to pledge from your demat account. The lender marks a lien on them and sets a borrowing limit, usually as an overdraft. You withdraw funds as needed and pay interest only on the amount used. If share prices fall, you may need to pledge more or repay part of the loan. On repayment, you can further utilise up to the borrowing limit.
How much loan can I get against my shares?
Lenders typically offer up to 50% of the market value of approved shares. For example, pledged shares worth ₹10 lakh may fetch a limit of around ₹5 lakh. The exact amount depends on the lender’s approved share list, the quality of your holdings and applicable RBI norms. The limit is revalued regularly as share prices change.