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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
What is a Loan Against Securities?
A Loan Against Securities (LAS) allows you to borrow money by pledging your financial investments—like shares, mutual funds, or bonds—as collateral. Instead of liquidating your portfolio, you retain ownership while gaining access to immediate funds. It's a smart way to meet short-term financial needs without disrupting your long-term investment goals.
Instant Liquidity:
Get quick access to funds without selling your assets.
Flexible Usage:
<span style="line-height: 107%;">Use the funds for business, education, emergencies, or personal needs.</span>
Retain Ownership:
Continue earning dividends, bonuses, or interest on pledged securities.
Overdraft Facility
Borrow as much as you need within the sanctioned limit, and pay interest only on the amount utilised.
Quick Processing
Get an instant loan against securities online in just a few clicks.
How to Apply Online for a Loan Against Securities – Secured Loan
Visit www.adityabirlacapital.com and go to Loan Against Securities under the Loans section
Use the eligibility calculator to estimate your eligible loan amount
Fill in your basic details — name, contact info, city, and security type (shares, mutual funds, etc.)
Upload your KYC and financial documents securely
Get a sanction offer within 24–48 hours (subject to profile and collateral)
Upload your KYC and financial documents securely
Get a sanction offer within 24–48 hours (subject to profile and collateral)
Eligible Securities for Pledge
Listed Equity Shares
Mutual Fund Units (Equity, Debt, Hybrid)
Government Bonds
Life Insurance Policies with Surrender Value
ETFs and Other Approved Marketable Securities
Eligibility Criteria and Documentation
To be eligible for a loan against securities, you must:
Eligibility:
- Be an Indian resident (18+ years)
- Own eligible listed securities or mutual funds
- Have a valid Demat account
Documents Required
- PAN Card
- Address Proof (Aadhaar/Passport/Utility Bill)
- Bank account details
- Demat/MF Statement (if applicable)
Loan Against Securities Interest Rate and Charges Interest Rate:
Our loan against securities interest rate is competitive and designed to suit investors of all sizes.
| Loans | Interest Rate |
|---|---|
| Interest Rates | Starting from 8.60% p.a.* |
| Processing Fees | Minimal, flat-rate or percentage-based |
| Overdraft Charges | Interest only on the used amount |
| Prepayment/Foreclosure Charges | Zero or minimal, depending on tenure |
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.
Aditya Birla Finance Customer
Gurgaon, India
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
Highly appreciate the speed of work at ABHFL, my overall experience in the home loan journey was good.
Aditya Birla Finance Customer
Meerut, India
FAQ on Loan Against Securities
If the market value of your pledged securities falls significantly, you may be required to provide additional collateral or partially repay the outstanding amount to maintain the required loan-to-value (LTV) ratio. This is known as a margin call.
If repayment is not made within the agreed tenure, Aditya Birla Capital reserves the right to liquidate the pledged securities to recover the outstanding dues. Additionally, penalties or overdue charges may apply as per the terms of the loan agreement.
Yes, you can pre-pay your Loan Against Securities either partially or fully at any time. Pre-payment terms and charges (if any) will be clearly mentioned in your loan agreement.
Yes, if the value of your pledged portfolio has appreciated or if you provide additional eligible securities, you may be eligible for a top-up loan, subject to approval and revised LTV assessment.
Yes, even though your securities are pledged, you retain ownership and will continue to receive dividends, bonuses, or capital gains as applicable.
ABC Of Personal Loans
*ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.