What is LAS?

Loan Against Securities (LAS) is a hassle-free way to borrow funds by pledging your existing financial assets like shares, mutual funds, bonds, ETFs, and insurance policies. Instead of liquidating your investments, you use them as collateral and continue to enjoy their growth potential.

How Does It Work?

Pledge Your Securities

Submit your demat-held shares, mutual funds, or other approved securities.

Loan Sanctioned

Based on the value and type of security, a loan amount is disbursed (usually within 24-48 hours).

Use the Funds Freely

Whether for business needs, emergencies, or short-term liquidity—there’s no restriction on usage.

Continue to Earn Returns

Your pledged assets can still earn dividends, interest, or NAV growth.

Repay with Flexibility

Choose from interest-only EMIs or bullet repayment options.

Interest Rates

Our LAS interest rates range between 9% to 11% p.a., depending on the type and quality of the pledged security.

Why Choose Sunzen for LAS?

Instant Liquidity

Fast processing and disbursal timelines.

Wide Range of Eligible Securities

Shares, mutual funds, bonds, ULIPs, ETFs & more.

Expert Guidance

Our team helps you understand the best way to leverage your portfolio.

Personalized Offers

Shares, mutual funds, bonds, ULIPs, ETFs & more.

Secure & Transparent

No hidden charges. End-to-end support.

Request a Call Back

Call Back Form

Frequently Asked Questions

Your Queries, Our Replies

Do I get 100% of the value of the securities I pledge?

No. There’s something called a ‘haircut’, which is a percentage deducted from the current market value of the pledged asset to account for market volatility. The final loan amount depends on the type and risk profile of the security.

What types of securities can I pledge?

You can pledge equity shares, mutual funds (debt/equity), bonds, ETFs, insurance policies (with surrender value), and more.

How soon can I get the loan?

Usually, within 24 to 48 hours, post document verification and lien marking of your pledged securities.

Will I continue to receive dividends or interest on pledged assets?

Yes! You continue to enjoy dividends, interest, and capital appreciation on your pledged assets.

Can I repay the loan early or make part payments?

Absolutely. We offer flexible repayment options, including prepayment and part-payment without heavy penalties.