Security Notice

Zero Upfront Fee Policy.

We facilitate loans through legitimate channels. We never ask for processing fees, insurance charges, or verification fees before sanction.

Protect yourself from imposters posing as agents. Verify all requests with our official desk.

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Smart Leverage

Loan Against Securities

Liquidity without liquidation. Pledge your shares, mutual funds, or bonds to get an overdraft limit while your portfolio continues to grow.

Check Eligibility How It Works

Digital Lien Marking Pay Interest only on Usage Keep Earning Dividends

Don't Sell, Just Pledge

Selling your long-term investments for short-term needs can be costly. You lose out on future growth and potential dividends. With Vardhman Finance's Loan Against Securities (LAS), you can monetize your financial assets instantly without selling them.

We offer a completely digital experience for pledging shares and mutual funds via NSDL/CDSL. You get an overdraft limit in your account, and you pay interest only on the amount you utilize and for the number of days you use it.

Approved Securities:

Equity Shares: Listed on NSE/BSE (Top 500 scrips).
Mutual Funds: Equity, Debt, and Hybrid funds (Demat/Physical).
Bonds & Debentures: Sovereign Gold Bonds, Tax-free bonds.
Insurance Policies: Traditional endowment policies (Surrender value based).

Why This Loan Works

Smart liquidity for the smart investor.

Overdraft Facility

Get a credit line. Withdraw when you need, repay when you want. Interest charged only on usage.

Digital Pledging

Instant lien marking via NSDL/CDSL portal. No physical transfer of shares required.

Retain Benefits

You continue to receive all dividends, bonuses, and rights issues on your pledged shares.

Swap Securities

Flexibility to swap pledged securities with others to book profits in the market.

Eligibility Criteria

Applicant

Resident Individual, HUF, or Private Limited Company.

Age

Min. 18 years (at the time of application) to 70 years.

Demat Account

Must have an active Demat account with any DP in India.

Portfolio Value

Minimum value of approved securities should be ₹2 Lakhs.

Documents Required

KYC Documents PAN, Aadhaar, Address Proof.
Banking Last 3 months bank statement. Cancelled Cheque.
Demat Proof Client Master Report (CMR) or Holding Statement.
Pledge Request OTP based authorization on NSDL/CDSL portal.

Interest Rates & LTV

High Loan-to-Value ratios for maximum liquidity.

Parameter	Details
Interest Rate	9.00% - 12.00% p.a. (Calculated daily)
LTV (Shares)	Up to 50% of market value (RBI Cap).
LTV (Mutual Funds - Equity)	Up to 50% of NAV.
LTV (Mutual Funds - Debt)	Up to 80% of NAV.
Processing Fee	Flat 0.50% or ₹3000 (whichever is higher).
Renewal Fee	Standard annual renewal charges apply.

Digital Journey

100% paperless process.

KYC

Enter PAN and basic details to check limit.

Select

Choose shares/funds from your portfolio to pledge.

Pledge

Verify pledge via OTP on Depository website.

Limit Set

Overdraft limit is activated instantly.

The Vardhman Advantage

Market volatility is a reality. Our risk management systems ensure you get timely alerts to top up margins if required, preventing forced liquidation.

Wide Scrip List

We accept over 800+ approved scrips and mutual fund schemes.

No Foreclosure Fee

Close your OD limit anytime without any penalty.

Frequently Asked Questions

What happens if the share price falls?

If the value of pledged shares falls, the drawing power reduces. If it falls below a threshold, you may get a margin call to pledge more shares or pay cash.

Can I sell the shares I have pledged?

To sell pledged shares, you first need to release them by paying the outstanding loan amount or providing alternate security.

Who gets the dividends?

You do. Even though the shares are pledged, you remain the beneficial owner and receive all corporate action benefits.