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Loan Against Securities (LAS) Calculator

Calculate the loan amount you can get against your securities portfolio

Portfolio Details

Stocks

Mutual Funds

Fixed Income Securities

Loan Details

Maximum Loan Amount

₹0

Monthly EMI

₹0

Total Interest

₹0

Total Payment

₹0

Portfolio Composition

Loan Repayment Schedule

Repayment Schedule

Month EMI Principal Interest Balance

What is Loan Against Securities (LAS)?

A Loan Against Securities (LAS) allows you to borrow money by pledging your financial securities as collateral. It's a flexible and cost-effective way to meet your financial needs without selling your investments.

LTV Ratios Explained

  • Stocks: Generally 50% of the market value
  • Mutual Funds: Up to 65% for debt funds, slightly lower for equity funds
  • Fixed Income: Up to 80% for government securities and fixed deposits

Benefits of LAS

  • Lower interest rates compared to personal loans
  • Quick disbursement with minimal documentation
  • Flexibility to continue earning returns on your investments
  • No restriction on end use of funds

Important Notes

  • LTV ratios may vary based on market conditions and lender policies
  • Regular monitoring of pledged securities is required
  • Additional margin may be required if security value falls
  • Interest rates are generally floating and linked to benchmark rates

Frequently Asked Questions

How do I calculate my Loan Against Securities (LAS) amount?

Follow these steps:

  1. Enter the total value of your stocks, mutual funds, and bonds.
  2. Set the LTV ratios for each type of security.
  3. Enter the interest rate and loan tenure.
  4. Click "Calculate LAS" to see the results.
Is Loan Against Securities (LAS) subject to tax?

No, Loan Against Securities (LAS) is not subject to tax.

What is the maximum loan amount for Loan Against Securities (LAS)?

The maximum loan amount for Loan Against Securities (LAS) is determined by your lender and the LTV ratio.

Can I withdraw Loan Against Securities (LAS) early?

No, Loan Against Securities (LAS) cannot be withdrawn early.

What is the minimum age for Loan Against Securities (LAS)?

The minimum age for Loan Against Securities (LAS) is 18 years.

Can I use Loan Against Securities (LAS) for personal use?

No, Loan Against Securities (LAS) is intended for business purposes only.