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Loan against Shares (LAS)

Turn Your Investments into Instant Capital

No need to liquidate your equity shares
Competitive interest rates and zero hidden fees
Quick disbursal with continued dividend benefits

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₹ 5.50 Lakh Cr

AUM

1,712

BRANCHES

3.9 Cr

ACTIVE CUSTOMER BASE

₹ 1.78 Lakh Cr

CONSOLIDATED LENDING BOOK

What is Loan Against Shares?

Looking to fund your business or meet personal financial goals without selling your investments? Aditya Birla Capital’s Loan Against Shares (LAS) offers you a smart and flexible financing option. Pledge your equity shares, mutual funds, or marketable securities and unlock liquidity when you need it most without disrupting your long-term investment portfolio.

Whether you're scaling your business or managing urgent personal expenses, our loan against stocks gives you fast access to capital with competitive rates and simple terms.

No need to sell your shares:

Continue to enjoy dividends and bonuses while your securities are pledged.

Flexible loan tenure

Borrow for up to 365 days, with an option to renew at your discretion.

Minimum loan amount:

Avail funding starting from ₹25 lakh.

Quick liquidity:

Get funds fast, pending scrutiny of eligible shares.

Line of Credit option:

Pay interest only on the amount you use and for the time you use it.

No guarantor required:

You qualify on the strength of your own investments.

Zero hidden charges:

No setup fees, non-use penalties, or cancellation charges.

How to Apply for a Loan Against Shares

STEP

Get your securities evaluated.

STEP

Upon approval, pledge your shares through your Demat account.

STEP

Funds are disbursed directly to your bank account.

STEP

Upon approval, pledge your shares through your Demat account.

STEP

Funds are disbursed directly to your bank account.

Why Choose Aditya Birla Capital?

Aditya Birla Capital offers a trusted, seamless, and flexible solution for individuals seeking funds without disrupting their investments. With a Loan Against Shares (LAS), you can unlock the value of your equity portfolio without selling a single share. Backed by a strong legacy and efficient digital infrastructure, Aditya Birla Capital ensures quick approvals, attractive interest rates, and real-time monitoring of pledged securities.

Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate

ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Short Term Reference Rate

ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Eligibility Criteria and Required Documents for Loan Against Shares

To be eligible for a loan against equity shares, you must:

Eligibility:

Be an individual (salaried or self-employed), HUF, or business entity.
Own eligible marketable securities approved by Aditya Birla Capital.
Maintain a Demat account for share pledging.

Documents Required

Valid ID proof (PAN, Aadhaar, Passport, etc.)
Address proof (utility bill, Aadhaar, etc.)
Bank statements (last 6 months)
Demat account details
Income documents (ITR, salary slips, or audited financials depending on applicant type)

Applicable Fees, Charges, and Interest Rates for Loan Against Shares

Loans	Interest Rate
Interest Rate	Competitive rates based on the value of pledged shares and applicant profile. Contact us for current loan against shares interest rate.
Processing Fee	Nil
Non-usage Fee	Nil.
Cancellation Charges	Nil
Renewal Fee	Nil

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.

Mr. Arpit Jain

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.

Mr. Dharmendra Kumar

Aditya Birla Finance Customer

Meerut, India

FAQ on Loan Against Shares

Simply reach out to Aditya Birla Capital online or visit our nearest branch. Submit your application, pledge your shares, and get funds upon approval.

Loan amount depends on the type and value of your eligible securities. The minimum loan is ₹25 lakh, and the final sanction depends on share quality and LTV (Loan-to-Value) ratios.

Salaried individuals, self-employed professionals, HUFs, and corporates who own eligible equity shares or mutual funds can apply.

Our loan against shares interest rate is competitive and varies based on market conditions and your profile. Please contact us for current rates.

You'll need KYC documents, bank statements, Demat account details, and income proof depending on whether you're salaried, self-employed, or a business.

Yes, you can prepay or foreclose your Loan Against Shares at any time before the tenure ends. Aditya Birla Capital typically does not charge any prepayment or foreclosure penalties, making it flexible and borrower-friendly.

Yes, subject to approval, you can replace or swap the pledged shares. The new shares must be from the approved list of eligible securities.

You can check the pledged shares list via:

Your Demat account statement (where pledged shares are marked)
Customer portal or mobile app provided by Aditya Birla Capital
By contacting customer care or visiting the nearest branch

If your pledged securities have appreciated in value or if you have unused drawing power, you can request a top-up loan or additional disbursement. This can be done via your online account or by contacting your relationship manager.

If the share value falls and the Loan-to-Value (LTV) ratio exceeds the allowed limit, a margin call may be triggered. You’ll need to either: