Loan against Stocks and Mutual funds

Get Your Loan Instantly!

Avail loans without selling or liquidating your investments.

At attractive interest rates

For business or personal needs

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Offerings

We help you overcome financial uncertainties without selling your investments. With Infina, you can leverage your long-term assets to get quick loans for your immediate needs.
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Listed Shares

Loans offered against a wide range of listed shares.

Mutual Funds

Loans against mutual funds like equity funds, debt funds, fixed maturity plans, balanced funds, arbitrage funds, target maturity funds, gold and silver funds.

Fixed Income Securities

Get access to loans against PSU and Private Sector Bonds and Government Securities.

Other Securities

We fund against units of real estate investment trusts (REITs), infrastructure investment trusts (InvITs) and selectively alternate investment fund and unlisted shares.
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Why Loan Against Securities

is a great option

Quick Disbursal

Get your loan approved and disbursed within 24 hours.

Attractive Interest rates.

Enjoy competitive rates starting at 10.5% p.a.

No foreclosure charges (Flexi loans)

Close your Flexi loan anytime without extra fees.

Flexible Tenure

Repay with ease over a period of up to 5 years.

Minimal Documentation

No paperwork required for loans up to ₹2.5 crores.

High Loan Amount

Borrow up to 85% of your portfolio value.
*T&C apply

Who is eligible

for Loan Against Securities

Individual above 18 Years

Sole Proprietorship

Partnership Firms / LLP

Hindu Undivided Family

Private and Public Limited Companies

Private Trusts

Check your eligibility instantly for free!

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Documentation, fees and charges for
Loan Against Securities

Documents
Fees & Charges

Individual

Document Type

Details

KYC

Valid identity and address proof

Latest 3 Years ITR

Income Tax Returns and computation of income for the last 3 years

Latest CA-Certified Net Worth

CA-certified Net Worth statement with a detailed breakup

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Corporates

Document Type

Details

KYC

Valid identity and address proof of Owner, Promoter, and Director

MOA & AOA documents

Memorandum & Articles of Association

Shareholder & Director List

List of shareholders and directors

Convertible Instruments Check

Verification of any convertible instruments

Director Profiles

Brief profiles of directors and their relation to promoters

Non-Individual Shareholders

Complete chain to identify ultimate individual owners

UBO Declaration

Declaration filed with MCA

Audited Financials

Last 3 years of standalone & consolidated financial statements

Latest Provisional Financials

Most recent standalone & consolidated financials

Current Borrowings

Details of latest borrowings, including lender names and security details

Current Pledge Level

Details of current pledge level

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Trust

Document Type

Details

KYC

Valid identity and address proof of the trust, trustees, Sponsors, Protectors, Beneficiaries

Trust Deed

Official trust deed document

List of Key Individuals

Details of Trustees, Sponsors, Protectors, and Beneficiaries

Non-Individual Beneficiaries

Complete ownership chain to identify ultimate individual owners

Non-Individual Entities

List of partners, shareholders, or directors

Audited Financials

Last 3 years of audited financial statements

Latest Provisional Financials

Most recent provisional financials

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Partnership/ LLP

Document Type

Details

KYC

Valid identity and address proof of the partnership firm/LLP, partners /designated partners

Partnership Deed / LLP Agreement

Official deed or agreement of the firm

List of Key Individuals

Details of partners, designated partners, and key stakeholders

Audited Financials

Last 3 years of audited financial statements

Latest Provisional Financials

Most recent provisional financials

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HUF

Document Type

Details

KYC

Valid identity and address proof of the HUF

HUF Deed

Official HUF deed document

List of Karta & Coparceners

Names and details of Karta and Coparceners

PAN Copies (Karta & Coparceners)

PAN copies of Karta and all Coparceners

Audited Financials

Last 3 years of audited financial statements

Latest Provisional Financials

Most recent provisional financials

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Unlisted Shares

Document Type

Details

AoA of the Company

Articles of Association of the company

Pledge & Sale Restrictions

Information on any restrictions regarding shares

Detailed Business Profile

Overview of the company’s business operations

Shareholders & Directors List

List of current shareholders and directors

Past Equity Deals

Summary of previous equity transactions, including size, valuation, and investors

Latest Equity Valuation Report

Most recent report on equity valuation

Audited Financials

Last 3 years of audited financial statements

Latest Provisional Financials

Most recent provisional financials

Business Analysis/Reviews

Detailed business analysis for the last 3 years, updated with recent data

Peer Comparison Analysis

Comparative analysis with industry peers

Debt Details & Cash Position

Information on current debt obligations and cash reserves

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LAS fees and charges

Frequently Asked Questions

What is a loan against securities?

A loan against securities allows you to borrow funds by using your financial securities, such as stocks and bonds, as collateral. This enables you to access liquidity without selling your investments.

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For what purposes can I apply of a Loan against securities?

You can avail Loan against securities for any personal or business purpose including funding a dream wedding, expanding business premises, paying for medical emergencies, and more.

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Can I repay the loan early?

Yes, early repayment options are available, and you may benefit from reduced interest costs.

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What types of securities can be used as collateral?

You can use a variety of securities, including stocks, mutual funds, and government bonds. Please check with our team for a comprehensive list of accepted securities.  

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How is the loan amount determined?

The loan amount is usually a percentage of the market value of the collateral, often starting from 50%. This percentage can vary based on the type of security.

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What happens if I default on a loan?

If you default, your securities may be liquidated to recover the outstanding loan amount. It's essential to discuss potential scenarios with us if you're concerned about repayment.

For any other queries or further assistance, feel free to contact our support team at customerservice@infina.in.

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