Loan Against Securities 

Funds, Secure Ownership: Empower Your Finances Today!

Need funds in a flash? Guardian Securities Private Limited’s Digital Loan Against Securities (LAS) offers immediate access to the money you need while ensuring you retain complete ownership of your securities. Say goodbye to lengthy loan approval processes and hello to a secure and efficient solution.

Secure Your Financial Goals

Take control of your financial future with Guardian Securities Private Limited’s Digital Loan Against Securities (LAS). This transformative solution empowers you to access funds quickly while retaining ownership of your securities.

Loan Against Securities

Loan Against Securities

Capitalize on your investments without selling them

Are you facing a cash crunch, but your money is tied up in securities? Don’t worry! Selling your investments can reduce your earnings and make you miss out on future opportunities.

Loan Against Securities is the solution you need. With this loan, you can meet your short-term financial needs without selling your stocks in haste. Plus, enjoy a lower interest rate compared to other loans.

Key Benefits:

  • Access cash quickly without selling your securities.
  • Retain your investments and potential earnings.
  • Lower interest rate compared to other loans.
  • Meet your short-term financial needs with ease.

Product Features:

  • Easy documentation & hassle-free Process.
  • No POA Current account is required to be opened for disbursement of Funds.
  • Attractive interest rate and Flexible tenure to suit client requirement.
  • Monthly Interest /EMI collection.
  • Simplified repayment process.
  • Large list of approved securities.
  • Dedicated Customer Support.
  • Large list of approved Shares.

Eligibility:

  • The borrower must be an Indian citizen.
  • The borrower should be between 18 to 65 years of age. 
  • The borrower should have demat account with CDSL.
  • The value of the securities pledged should meet the minimum requirements of the lender.
  • The borrower must have a good credit score and repayment history. 
  • The borrower should have a valid email ID & mobile number.

Documents

Identity Proof: Passport, PAN Card, Aadhaar Card, Voter ID, Driving License.

Address Proof: Utility bills, bank statements, passport, Aadhaar Card, Voter ID, Driving License, rental agreement.

Proof of Income: Last three months Salary slips (for Salaried Individual), last 2 years IT return (Salaried and self-employed individuals)

Bank Statements (showing salary credits, usually last 6 months)

Step by step guide to apply for Loan against Securities

  • Customers visit our website https://guardiansecuritiespltd.com/, click on the “Products” tab under “Loan Against Securities,” and select “Apply Now”.
  • Enter a valid PAN number, mobile number, and email ID.
  • Access and view information retrieved from CKYC or Aadhaar.
  • Complete the In-Person Verification (IPV) using a webcam.
  • Verify the customer’s bank account via Penny Drop.
  • Pay the Application Fees.
  • Check the loan eligibility by entering your security name and quantity.
  • Customers select the stocks to pledge, along with the quantity.
  • Upload the required documents.
  • Submit the application.
  • Loan will be disbursed after successful pledging and verification.

Will be updated soon

FAQ Loan Against Securities (LaS) 

Welcome to Guardian Securities Private Limited's comprehensive FAQ section on Loans Against Securities (LAS). Here, we provide detailed answers to the most common queries regarding our LAS program, helping you make informed decisions and navigate the world of finance with confidence.

1. What is a Loan Against Securities (LAS)?

A Loan Against Securities (LAS) is a financial product offered by Guardian Securities Private Limited that allows you to use your marketable securities (such as stocks, bonds, mutual funds) as collateral to secure a loan. This enables you to access funds while retaining ownership of your securities.

2. How does LAS work?

LAS involves pledging your securities as collateral to Guardian Securities Private Limited. Based on the value of your pledged securities, we offer you a loan amount known as the Loan-to-Value (LTV) ratio. While you continue to hold ownership of the securities, the loan amount is determined by a certain percentage of their value.

3. What types of securities are eligible for LAS?

Marketable securities like stocks, bonds, mutual funds, and exchange-traded funds (ETFs) are typically eligible for LAS. The eligibility criteria may vary, so contact our experts for specifics.

4. How is the loan amount determined?

The loan amount is determined based on the value of the pledged securities and the Loan-to-Value (LTV) ratio. LTV ratios vary depending on factors such as, the type of securities and prevailing market conditions.

5. What is the tenure of the LAS loan?

The tenure of the LAS loan is predetermined and agreed upon between you and Guardian Securities Private Limited. It can vary, but generally, LAS loans have medium-term durations.

6. What happens if the value of my pledged securities changes?

Market fluctuations can impact the value of your pledged securities. If the value drops significantly, you may be required to provide additional collateral or repay part of the loan to maintain the required LTV ratio.

7. Can I prepay the LAS loan?

Yes, you can prepay the LAS loan before the agreed-upon tenure. However, there may be prepayment charges or fees, depending on the terms of the loan agreement.

8. What if I am unable to repay the LAS loan?

If you’re unable to repay the loan, Guardian Securities Private Limited may liquidate the pledged securities to recover the outstanding amount as per the terms of the agreement.

9. Can I continue trading in the pledged securities?

In most cases, you can continue trading in the pledged securities. However, any changes to the pledged securities (such as selling or transferring) might need prior approval from Guardian Securities Private Limited.

10. Are LAS loans taxable?

The taxation aspects of LAS loans can vary based on local regulations and individual circumstances. It’s advisable to consult a tax advisor for accurate guidance.

11. Is there a minimum and maximum loan amount for LAS?

Loan amounts for LAS can vary, with both minimum and maximum limits. These limits are often determined by factors such as the value and type of the pledged securities.

12. How do I monitor the status of my pledged securities during the loan tenure?

You can monitor your pledged securities’ status through regular updates from your Demat account provider. Guardian Securities Private Limited may also provide periodic reports on the status of your loan and securities.

13. What are the key factors to consider before opting for a LAS with Guardian Securities Private Limited?

Before applying for a LAS, consider the following:

  • Understand the Loan-to-Value (LTV) ratio and how it impacts your loan amount.
  • Evaluate the interest rates, repayment terms, and any associated fees.
  • Assess the potential risks, such as market volatility affecting your pledged securities’ value.
  • Have a clear plan for utilising the loan amount and repaying it within the agreed-upon timeline.

14. Can LAS be used to finance speculative activities or day trading?

LAS is typically designed for productive purposes such as business expansion, emergencies, or other genuine financial needs. It’s not recommended for speculative activities or day trading.

15. Can I withdraw my pledged securities during the loan tenure?

Pledged securities are held as collateral until the loan is repaid. If you wish to withdraw the pledged securities, you would need to repay the loan first or provide alternative acceptable security.

16. What happens in case of a default or non-repayment of the LAS loan?

In case of default or non-repayment, Guardian Securities Private Limited may exercise its right to liquidate the pledged securities to recover the outstanding loan amount.

17. Can I switch or replace the pledged securities during the loan tenure?

Depending on the terms of the agreement, you might be able to switch or replace the pledged securities with equivalent securities. This process would usually require prior approval from Guardian Securities Private Limited.

FEATURES

Effortless Financing to Maximise Your Financial Freedom

Competitive Interest Rates

Benefit from highly competitive interest rates, ensuring your borrowing costs remain affordable and manageable.

Quick Approval

Experience lightning-fast, hassle-free approval processes, allowing you access to funds when you need them most.

Unlock Substantial Loans

Leverage your investment portfolio to unlock substantial loan amounts, giving you the financial flexibility you desire.

Flexible Repayment Tenure

Choose a repayment tenure that aligns perfectly with your unique financial situation and goals.

Diverse Asset Pledges

Pledge a diverse range of assets, including stocks, bonds, mutual funds, and more, to meet your specific financing needs.

Retain Asset Ownership

Keep full ownership and control of your investments while utilising their value to secure the financing you need.

DISCLAIMER

The following are not eligible for lending

  • Partly paid-up shares
  • Physical shares
  • Lock in shares
  • Scrips in the name of minor
  • Stocks / Shares which are not a part of our approved list of securities

*Conditions apply – Credit at the sole discretion of Guardian Securities Private Limited (GSPL) and subject to guidelines issued by RBI from time to time. GSPL may engage the services of marketing agents for the purpose of sourcing loan assets.