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Loan Against Securities


Every business requires funding from time to time. Whether to upgrade operations or purchase new premises, business loans help corporates take a higher leap towards progress. Whether your business is small or large, you may require an inflow of funds to take your operations to the next stage of success. However, you could consider putting your securities in the capital market to use. Instead of monetising your investments in securities, why not take a Loan Against Shares (LAS) also known as Loan Against Securities or a Line of Credit (LOC) and leverage your investments.

 
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How does Loan Against Shares work?


The Loan Against Shares is a term loan against equity shares you own. It helps you gain the financial flexibility that you need without disrupting your long-term investment strategy. In terms of your fiscal position, Loan Against Securities is a better option to explore instead of bringing your investments in other securities like property and gold in the ambit of loans – the shares you own can generate loans for your business.
 

How does Line of Credit(LOC) work?


LOC (Line of Credit) is an overdraft facility against your marketable securities. You can draw on this line of credit at any time, but you cannot exceed the maximum limit set by us. The advantage of LOC is that you pay interest only for the actual time period when your business finance is used.
 

Why do you need LAS or LOC?


If you are a business owner requiring immediate funds, LAS or LOC is the most appropriate financing solution for you. Businesses with expansion plans, or those requiring funds to procure additional manpower, machinery and tech expertise to scale operations should consider Loan Against Securities. Additionally, salaried individuals in need of immediate liquidity may also opt for this financing solution. Loan Against Securities may also be taken for personal reasons as well – consider it in lieu of loan for marriage or for your child's education loan. An advantage to note is that as long as you hold sufficient eligible securities to use as collateral, this type of credit line may be easier to obtain and it is more cost-effective than other alternatives.
 

Features of Loan Against Securities/Line of Credit

  • You do not need to sell your stocks. You simply pledge them to Aditya Birla Finance for up to 365 days.
  • There is immediate liquidity pending scrutiny of shares.
  • We offer a minimum loan amount of Rs 25 lakh.
  • The bonuses and dividends on the pledged shares will continue to accrue to you during the loan period.
  • You can renew the corporate loans at your discretion.
  • You do not require a guarantor to avail of Loan Against Shares.
  • These loans typically attract lower interest rates than other forms of credit.
  • There are no set-up, non-use, or cancellation fees.
 
So what next?
  • If you own physical shares, you must dematerialise them before you proceed with the LAS/LOC application.
  • Ask us for our list of approved shares at the time of making the loan application.
  • Do you want complete product details? Download the brochure.
  • If you want to apply for LAS/LOC, download the application form.
 
Do you have questions?

Call +91 84259 66666
OR write to us at abfl-customerservice@adityabirla.com. Click here to arrange a meeting today.
 
 
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Product Review
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Aditya Birla Finance Limited Loan Against Securities Loan against securities from Aditya Birla FInance is the most appropriate financing solution for business owners requiring immediate funds.
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Important Notice

Note : We would like to inform you that we do not accept cash for any transaction.

It has come to our notice that unknown third parties, who are not affiliated with Aditya Birla Finance Limited are forging/mis-selling loan products using our name, brand or logo (explicitly and/or implicitly). Aditya Birla Finance Limited may not have any control over such any third party use of our name and therefore cannot be held responsible for any unauthorised offer, products or services which is made by forging/misusing/faking our brand name. Anyone relying on any such information without verifying and confirming the same with Aditya Birla Finance Limited shall do so at their own risk and liability as to cost and consequences thereof. We also recommend that you do not disclose your personal or financial details to anyone approaching you and claiming to be on behalf of us, unless identity of the person is established or the communication is verified with one of the branches or telephone numbers stated herein.

If you receive a product/ loan proposal from anybody with a name similar to Aditya Birla Finance Limited or claiming to be from Aditya Birla Finance Limited or Birla Global Finance Limited or Birla Finance Limited or any other name which exhibits any connection with Aditya Birla Group or if you have any doubts about such proposal, please feel free to contact Aditya Birla Finance Ltd. immediately on +91 84259 66666. Aditya Birla Finance Limited highly recommends that you ignore any suspicious product/ loan proposals. On no account should you transfer any money without properly verifying and establishing the identity of the entity involved. We once again request you to examine product/loan proposals cautiously and carefully before entering into any transaction with such entities.

 

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