Loan Against Securities (LAS) - Finora Financial Solutions

Liquid Capital on Demand While Your Portfolio Keeps Growing

Keep 100% Portfolio Holdings

Pay Interest Only on Drawn Sum

Why Finora Advisory

Liquid Capital on Demand While Your Portfolio Keeps Growing

Liquidate without selling. By pledging approved shares and mutual funds, you unlock immediate revolving cash credit while dividends and market appreciation continue accruing directly to you.

Zero Portfolio Liquidation

Never exit promising equity investments during market downturns for short-term cash.

Revolving Overdraft Facility

Pay interest strictly on the exact amount drawn, for the exact number of days used.

100% Paperless Lien Marking

Digital OTP authorization with NSDL and CDSL depositories within minutes.

Retain All Corporate Benefits

Continue receiving all dividend payouts, bonus shares, and voting rights.

Portfolio & Offerings

Tailored Solutions Under Loan Against Securities (LAS)

Explore individual categories customized to your exact requirements, whether optimizing capital costs or maximizing investment compounding.

Equity & Debt Funds

Loan Against Mutual Funds (LAMF)

Instant digital overdraft line against equity and hybrid mutual funds registered with CAMS and KFintech.

Up to 50% on equity / 80% on debt
Digital approval in 4 business hours
No prepayment or foreclosure penalty

Fast Digital Disbursal Apply Now

NSE & BSE Equities

Loan Against Listed Shares

Borrow against approved blue-chip and mid-cap equity shares held in your demat account with leading depositories.

800+ approved scrips list
All dividends credited directly to you
Quick online unpledge upon repayment

High Flexibility Apply Now

Fixed Income & Gold

Loan Against Bonds & SGBs

Leverage Sovereign Gold Bonds (SGB), tax-free PSU bonds, and corporate debentures for low-interest liquidity.

Up to 75% market value funding
Continue earning 2.5% p.a. SGB coupon
Lower interest rate spreads

Maximum Security Apply Now

Seamless Workflow

How We Deliver Results

A structured, hassle-free progression from initial inquiry to final sanction and ongoing advisory.

Step 01

Portfolio Upload

Share your CAS statement or Demat holding statement for valuation.

Eligibility Audit

Step 02

Limit Assessment

Lender calculates maximum drawing power based on approved scrip LTVs.

Market Comparison

Step 03

Digital Lien Marking

Approve online lien marking through secure depository OTP verification.

File Processing

Step 04

Instant Limit Activation

Overdraft limit active in your account; withdraw and repay at your convenience.

Sanction & Disbursal

100% Confidential Rapid Verification

Need Profile Guidance?

Our desk evaluates your papers confidentially.

Audit Profile

Standard Checklist

Required Documentation

Digital Upload Available

Consolidated Account Statement (CAS) or Demat Holding Statement
PAN Card & Aadhaar Card
Cancelled Cheque of the linked savings account
Latest 3 Months Bank Statement showing income flow
Active mobile number linked with Aadhaar and Demat Depository

Specific criteria may vary by lender partner, ticket size, and applicant profile.

Got Questions?

Frequently Asked Questions

Yes! You remain the 100% legal and beneficial owner of your securities. All dividends, interest coupons, bonus shares, and stock splits continue to be credited directly to your bank account.

Interest is charged strictly on a daily reducing balance basis on the actual amount drawn, not the entire approved limit. If your limit is ₹5 Lakhs and you use nothing, your interest is ₹0.

If market volatility causes your portfolio value to fall below the required margin threshold, the lender notifies you to either pledge additional securities or deposit a small cash margin.

Once the utilized overdraft amount is cleared, digital unpledging typically occurs within 24 business hours, releasing your holdings completely.

Take the First Step

Ready to Simplify Your Finances?

Talk to our certified specialists for customized advice on loans, insurance policies, and disciplined wealth planning.

Request Free Consultation Become a Partner

Unlock Instant Liquidity Without Selling Your Shares & Mutual Funds