Capitalize your investments without selling them and Apply for Loan Against Securities, Shares, Mutual Funds and Bonds.

You make investments to grow your money. But what if you need emergency funds, and they’re tied up in securities? By selling them, you would be reducing your earnings, while also missing out on any future opportunities that may arise. In order to meet your short-term financial needs,

Loan against Securities/Shares offers a good choice as you do not have to sell your stocks in haste. Moreover, the interest rate at which you get a loan against securities is lesser as compared to a personal loan.

A loan against securities is available in the form of an overdraft facility. The value of the overdraft limit that is advanced to you is determined on the basis of the securities like equity shares, mutual funds, bonds & insurance that are pledged by you.

The advantageous part of pledging your securities is that you are able to get steady cash easily at the time you need it most and secondly, you would not be devoid of the benefits as a shareholder. This means that you can enjoy your rights of receiving dividends and bonuses along with gaining from the price movements in the shares for which you have availed of the loan from the bank.

We offer:

  • Most Competitive Interest Rates for Loans Against Securities
  • Instant Liquidity at your disposal
  • Interest on Overdraft Facility is Charged only on the utilized amount
  • Loan against securities available from the most trusted lenders such as: Yes Bank, Sharekhan by BNP Paribas, Tata Capital, Bajaj Finance, State Bank of India (SBI), etc.

Merits of Loan Against Securities:

  1. Access to Immediate Funds:

One of the primary advantages of Loan Against Securities is quick access to funds. Unlike traditional loans that may involve lengthy approval processes, Loan Against Securities offers a streamlined procedure. Once the collateral is evaluated and the loan terms are agreed upon, borrowers can receive the funds in a relatively short period. This allows them to address urgent financial needs, seize investment opportunities, or meet unforeseen expenses without liquidating their securities.

  1. Retaining Ownership:

When opting for a Loan Against Securities, borrowers retain ownership of their securities. This means that they can continue to benefit from any potential appreciation or income generated by their investments. By not selling their securities, borrowers maintain their long-term investment strategy and avoid potential tax implications or market timing risks associated with selling securities during unfavorable market conditions.

  1. Lower Interest Rates:

Loan Against Securities often offers lower interest rates compared to unsecured loans or other forms of credit. Since the loan is backed by collateral, lenders are more willing to extend favorable terms and lower interest rates to borrowers. This results in significant interest savings over the loan tenure, making it an attractive financing option for those looking to optimize their borrowing costs.

  1. Flexibility in Loan Amount:

The loan amount offered under Loan Against Securities is directly linked to the market value of the pledged securities. Depending on the quality and quantity of the collateral, borrowers can secure substantial loan amounts. This flexibility allows borrowers to access funds as per their specific requirements, be it for personal expenses, business investments, or other financial needs.

  1. No Restriction on End-Use:

Loan Against Securities provides borrowers with the freedom to utilize the funds for any purpose. Whether it’s financing a business expansion, funding education expenses, renovating a property, or even planning a dream vacation, borrowers have the flexibility to allocate the funds at their discretion.

Demerits of Loan Against Securities:

  1. Potential Loss of Securities:

While Loan Against Securities offers numerous benefits, borrowers should be aware that a default on repayment can result in the lender liquidating the pledged securities to recover the outstanding loan amount. This risk emphasizes the importance of proper financial planning and ensuring the ability to meet loan repayment obligations.

  1. Fluctuation in Market Value:

The value of securities pledged as collateral may be subject to market fluctuations. If the value of the securities decreases significantly during the loan tenure, borrowers may be required to provide additional collateral or repay a portion of the loan to maintain the loan-to-value ratio. This potential risk should be carefully considered, especially when dealing with volatile markets or highly speculative securities.

  1. Loan-to-Value Ratio:

Lenders typically provide loans against securities based on a certain percentage of the collateral’s market value, known as the loan-to-value (LTV) ratio. The LTV ratio can vary among lenders and may impact the maximum loan amount available. Borrowers should assess the LTV ratio offered by different lenders and choose the one that aligns with their funding requirements.

How to Apply for an Instant Loan Against Securities?

To apply for a loan against securities with Rurash Financials, simply follow these steps:

  1. Visit our website or call us to speak to a loan advisor.
  2. Provide us with some basic information about yourself and your securities.
  3. Submit the required documentation.
  4. We will go through with your application status and get back to you with a decision.


We at Rurash Financials, offer a unique advantage to individuals seeking high-value loans against shares. Leveraging our strong relationships with multiple lenders, we can act as your facilitator, helping you to secure Loan Against Securities that range up to Rs. 100 crores.

The company’s experienced loan officers work closely with borrowers, guiding them through the entire application process, ensuring efficient documentation, and assisting in obtaining the desired loan amount.

Rurash Financials enables borrowers to access competitive interest rates, currently as low as 09% along with favourable terms, and a wide range of loan options from their network of lenders.

Their personalized approach, commitment to customer satisfaction, and seamless coordination make them a reliable partner in meeting LAS requirements. To know more about a loan against shares, connect with us today or write to,

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