Finance against Securities
Unlock Liquidity with Finance Against Securities
Need immediate funds but don’t want to sell your valuable investments? Finance Against Securities (FAS) is a smart and efficient way to access liquidity while retaining ownership of your financial assets. Whether it’s shares, mutual funds, bonds, or other securities, you can leverage them as collateral for a loan to meet your financial requirements.
What Is Finance Against Securities?
Finance Against Securities allows you to borrow funds by pledging your financial instruments as collateral. These securities remain yours, and you continue to earn dividends or interest from them while using the funds for your personal or business needs.
Types of securities you can pledge:
- Shares (Demat form)
- Mutual Funds (Equity or Debt)
- Bonds and Debentures
- Insurance Policies with a surrender value
- Exchange-Traded Funds (ETFs)
Features of Finance Against Securities
- Retain Ownership: Your pledged securities remain in your name, and you retain the benefits they generate.
- Quick and Flexible Loan Process: Fast approvals and disbursals, tailored to your financial needs.
- High Loan-to-Value (LTV): Receive up to 80% of the value of your securities, depending on their type and market value.
- Flexible Tenure Options: Choose a repayment term that suits your financial situation.
- No Prepayment Charges: Repay the loan early without incurring penalties.
Benefits of Finance Against Securities
- Instant Liquidity: Access funds quickly without liquidating your investments.
- Lower Interest Rates: Secured loans often come with more competitive interest rates compared to unsecured loans.
- Continued Earnings: Dividends, interest, and capital appreciation from pledged securities continue to accrue to you.
- No Impact on Credit Score: Maintain your creditworthiness while addressing immediate cash flow needs.
- Flexible Usage: Use the funds for business expansion, education, medical emergencies, or any personal needs.
Who Can Benefit from This Service?
- Business owners requiring short-term working capital.
- Investors looking for liquidity without selling their portfolios.
- Individuals needing funds for personal milestones like weddings or education.
- Anyone seeking an alternative to high-interest personal loans.
