Loan Against Securities
Unlock funds without selling investments.
- PledgeShares / MF / Bonds
- LTVUp to 50%–80% of pledge value
- FacilityOverdraft, interest-on-use
About this product
Why clients choose Viva Capital for LAS.
Loan Against Securities lets you raise liquidity against your shares, mutual funds, or bonds — without exiting the portfolio. Typically structured as an overdraft, you pay interest only on the amount drawn.
What we offer
Key features
- Pledge equity, mutual funds, ETFs, or bonds
- Overdraft structure — interest only on drawn amount
- Continue to receive dividends / fund returns
- Faster sanction than traditional secured loans
Who can apply
Basic eligibility
- Demat holdings in approved lender list
- Indian resident, age 21+
- Holdings free of any existing lien
Keep ready
Documents required
- KYC (PAN, Aadhaar)
- Demat holding statement
- Income proof (light, since collateral covers risk)
- Bank statement for the disbursal account
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
