Unlock Liquidity with Shriram Credit's Loan against Mutual Funds (LAMF) and Loan against Shares (LAS)

Get Instant Funds Without Selling Your Investments

Shriram Credit offers you an easy and efficient way to meet your financial needs by pledging your Shares / Mutual fund holdings while letting your investments continue to grow. Apply today and enjoy competitive interest rates, quick approvals, and flexible repayment options!

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Why Choose Loan Against Shares / Mutual Funds?

Preserve Investment Growth

Preserve Investment Growth

Continue earning returns while accessing funds.

Fast Approvals

Fast Approvals

Quick processing with minimal documentation.

Competitive Interest Rates

Competitive Interest Rates

Get affordable rates tailored to your needs.

Flexible Repayment

Flexible Repayment

Choose terms that suit your financial plans.

Key Features of LAS / LAMF

Key Features of LAS / LAMF
  • Collateral: Pledge your shares / mutual fund units without selling.
  • Loan Amount: Get up to 70% of your mutual fund’s value and 50% of your shares.
  • Minimal Documentation: Apply easily with online processing.
  • Prepayment Option: Apply easily with online processing.

How It Works

Eligibility for Loan against Shares / Mutual Funds

To avail a Loan against Shares / Mutual Funds from Shriram Credit, applicants
must meet the following eligibility criteria:

Age
Age

Applicants should be resident Indian and should be between 18 and 70 years old.

>Ownership of Shares / Mutual Funds:
Ownership of Shares / Mutual Funds:

The applicant must own shares / mutual fund units in recognized demat / mutual funds.

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KYC Compliance
KYC Compliance

Applicants must be KYC (Know Your Customer) compliant.

Credit Score
Credit Score

A good credit history and score are required to secure the loan.

Features & Benefits of Loan against Shares / Mutual Funds

Features & Benefits of Loan against Shares / Mutual Funds

Preserve Your Investments

You don’t need to sell your assets to access funds. Your investments continue to grow while serving as collateral.

Instant Liquidity

Get quick and easy access to funds whenever you need them, without interrupting your financial planning.

Flexible Loan Amount

Borrow up to 50-70% of the current market value of your assets.

No Prepayment Penalties

Repay your loan early without any additional charges or penalties.

Competitive Interest Rates

Enjoy lower interest rates compared to personal loans or other unsecured borrowing options.

Simple Documentation

The application process is quick and hassle-free with minimal paperwork required.

Continued Investment Growth

Your investments continue to earn returns while pledged as collateral for the loan.

Loan Against Shares / Mutual Funds - Details & Charges

Loan Amount

Loan Amount

The loan amount is typically 50-70% of the value of your pledged shares / mutual fund units, depending on the type of shares / mutual funds (equity or debt).

Interest Rate

Interest Rate

The interest rate is highly competitive, starting from 12% per annum, subject to market conditions and the borrower’s profile.

Processing Fees

Processing Fees

A nominal processing fee is applicable, generally ranging from 1% - 3% of the loan amount.

Tenure

Tenure

The tenure for a Loan Against Securities can vary, typically ranging from 1 to 2 years, with the flexibility to repay early.

Collateral

Collateral

Shares / Mutual fund units are pledged as collateral. Both equity and debt funds are eligible, with varying loan-to-value (LTV) ratios.

Margin Requirements

Margin Requirements

A margin call may be issued if the value of the mutual fund units falls below a certain threshold. In such cases, the borrower may need to pledge additional units or repay a portion of the loan.

Repayment

Repayment

Repayment can be made through Equated Monthly Installments (EMIs) or as a bullet repayment at the end of the tenure, depending on the agreed loan structure.

Disclaimer: Loan sanction is subject to eligibility, terms, and conditions. Shriram Credit Company Limited is a registered NBFC under RBI regulations. Interest rates, fees, and charges are subject to change at the discretion of the lender. The information provided herein is for general informational purposes only and does not constitute an offer or solicitation. Please read all scheme-related documents carefully before applying. Google and Facebook ads are used to generate leads, and we follow their respective advertising policies to protect user data and ensure transparency.