Rurash Financials Private Limited | Unlisted Equity Investments in India, Leading Stock Brokers and Stock Dealers in India

Loan Against Shares from Rs.10 lac to 100 Crores

A perfect overdraft against Shares, Mutual Funds, FDs, Bonds and more. Facilitated through trusted lenders.

We do not facilitate Personal Loans.

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    * Loan amount should be between 10 lacs to 100 Crores.

    Things about Loan Against Shares you may not Know

    When facing a financial crisis, it can be tempting to sell some assets. If you sell out of distress, you may lose money and waste your investment efforts. A loan against securities might be the answer to your dilemma if you need cash from your investments without liquidating them.

    Shares, mutual funds, and bonds can be pledged as collateral for loans against securities. There are no foreclosure or prepayment charges, and the process is instant and safe.

    What is a Loan against Securities?

    By pledging your investment securities to a lender, you can get a loan from a bank or non-banking financial institution. As a result, you don’t have to sell your investment instruments in a hurry, especially when you need funds urgently during an emergency. These instruments can instead be pledged as collateral to a lender to get the funds you need. Lenders figure out how much you can borrow based on the value of the securities you put up as collateral. A loan against securities is usually based on a certain percentage of the securities that are put up as collateral. The rules for this are similar to those for a loan against real estate. The interest rate for a loan against securities is also based on how long it takes to repay the loan.

    How does Rurash Financials help you with the facilitation of loan against shares?

    Loans against shares are loans secured by equity or any other financial security; Rurash Financials can help you get a loan against securities from a list of over 800+ pre-approved securities.

    We aggregate loans against security as per the individual case, loan requirements and investment portfolios keeping in mind the financial goals of the investor. The designated loan officer from Rurash Financial will recommend and facilitate loans against shares from the most trusted lenders in the industry. 

    Our lending partners includes:

    In case larger amounts are required against securities and investments, the loan officer from Rurash Financials will help you source the amount from more than one or two lenders as per your securities and collateral.

    Individuals are offered loans based on the market value of the shares held in a Demat account.

    They are short-term loans with relatively small loan amounts. It is possible, however, for these loans to be longer in duration or to be larger in amount. Loans can be repaid over a period of six to 36 months, depending on the circumstances.

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    Quick and Secured Financing from Rs 10 lacs to 100 Crores from Loan Against Shares

    There are a number of banks that offer this type of loan up to a limit of Rs. 20 lakh; however, Rurash Financials can connect you with the concerned banks in a personalized manner so as to allow you to avail of a loan against security for any amount between Rs. 10 lakh and Rs. 100 crores. Depending on the market value of the shares, a loan of up to 50% of the market value is generally available. Repayment of the loan can be flexible. As the borrower repays the interest, the principal may be deducted from the collateral. This whole process can be tiresome for a few, but with Rurash, you get more personalized care with a dedicated relationship manager to assist you in every step of your process, from application to disbursement, so that you can get the funds you require in times of need or emergencies.

    Why is loan against securities a viable financial option?

    By leveraging their existing investments, investors can raise funds through loans against securities. During the loan term, the borrower keeps getting things like interest, dividends, bonuses, etc. Long-term investors will find this loan facility to be an excellent option. Without jeopardizing their long-term financial objectives, they can meet their short-term fund shortfalls.

    The end-use of funds from loans against securities is not restricted except for speculation. You can use the loan proceeds for a variety of purposes, such as financing your children's higher education, buying a vehicle, or meeting other short-term cash flow needs. As a result, loans against securities are a good alternative to personal loans and credit card loans.

    In general, a loan against securities is offered as an overdraft with a credit limit determined by the pledged securities. A borrower can take as much or as little of the sanctioned limit as he needs, depending on his financial requirements. In addition, borrowers can withdraw from the sanctioned limit and repay it at any time until the overdraft expires. There is an interest component applied to the drawn amount until it has been repaid.

    Because the prices of market-linked securities can change quickly, lenders often revalue securities that have been pledged. In the event of a market correction, lenders may also revalue securities on an interim basis. The borrower must make good the difference amount if steep market corrections lead to the total drawn amount exceeding the sanctioned credit limit by either pledging more securities or paying the difference in cash or check. Failure to comply may result in penalties of up to 18 percent a year on the amount withdrawn in excess of the sanctioned limit.

    The interest component of a loan against securities is generally repaid monthly since it is an overdraft facility. In accordance with the borrower's cash flow, the principal component can be repaid throughout the term of the overdraft facility without incurring any prepayment penalties. Therefore, the absence of an EMI burden, coupled with no prepayment charges, allows borrowers to manage their debt obligations per their cash flows. For those with frequent short-term cash flow mismatches, loans against securities are an excellent credit option.

    Most lenders use credit scores as part of their assessment of a borrower's creditworthiness, especially for unsecured personal loans. Loan against securities, however, provides lenders with a backup if the borrower defaults or fails to pay since pledged securities and lower LTV ratios protect them. When evaluating loan applications against securities, lenders can take a relatively relaxed approach toward credit scores.

    How to apply for the fastest Loan against Securities from the best of lenders?

    Getting a loan against securities has never been easier. Financial institutions/Lenders can lend you money against your investments without you having to go to their outlets. You can get a loan against shares and other securities by following these steps.

    Step 1 >>

    Select a lender

    Step 2 >>

    Fill out a simple online application

    Step 3 >>

    Perform KYC

    Step 4

    Receive your funds

    Loan Against Shares ~ A Happy Client Story

    Meet Mr. Umang, a business owner based out of Noida. He was looking for LAS funding of Rs. 50 lacs to expand his business. Despite checking the entire market for this, he couldn’t get a positive response since he had multiple Demat accounts with a discount broker alone, where the pledging process was complicated and required technical knowledge. This is not a story, but a disappointing reality that most investors and borrowers may face. A complicated process, little clarity, and no handholding make pledging shares challenging! But not when you reach out to one of India’s top investment management firms, Rurash Financials to rest your case. A major benefit of Rurash Financials is that it lends to multiple lenders on a single platform, while also providing a human touch.

    What did we do to bring Mr. Umang out of his misery?

    Firstly, we did the assessment of the case and segregated his portfolio to meet his funding requirement.

    Secondly, we solved all the queries raised by Mr. Umang & lending partner and gave him a proposal of LAS from a leading NBFC.

    Lastly, we guided him through each step of the process until he received the loan.


    We earned a happy client.

    We at Rurash Financials bring you secured and quick financing starting from 10 lacs to 100 crs. depending upon the securities. With Rurash Financials, you’ll be able to get customized loan solutions based on your investment portfolio and needsalong with several benefits. Here’s a glimpse:

    • Borrow funds for instant liquidity
    • No restriction on the end use of funds
    • Your stocks or shares continue to give you dividends and experience appreciation in market value.
    • Quick approval – within 24 hours after account openings and pleading of securities
    • No EMIs, only interest to be served monthly; the interest is only charged on the amount used.
    • You can easily pledge 800+ approved securities
    • No prepayment charges or lock-in period
    • You can also switch your pledged securities with other securities.
    • Lowest interest rate in the industry with 9%

    Merits & Benefits of Loan against Securities

    Lower interest rates

    Share loans have lower interest rates than personal loans or other unsecured loans because they are secured. As a result, this facility is very popular. While major banks and NBFCs usually charge an interest rate as high as 15%, Rurash Financials can assist you in availing of Loan against security at an Industry lowest interest rate of 9%

    There is no specified purpose:

    A loan may be used for any purpose by the applicant. Just like personal loans, lenders don’t ask what the loan will be used for before agreeing to give it. A home purchase, a debt repayment, or a medical emergency can be covered with this money.

    No prepayment penalties:

    The majority of lenders who offer loans against shares have a one-year minimum term that can be extended by paying a certain amount. Due to the short term, lenders do not charge prepayments.

    Having examined some merits, let’s take a closer look at some demerits. Below are some demerits listed for taking loans against shares.

    Loan Against Shares from trusted lenders.

    Demerits of Loan Against Shares:

    1. Loan to Value (LTV)

    Lenders make offers based on the value of the shares pledged by borrowers seeking loans against them. However, because lenders only offer upto 50%-85% of the value of the security, depending on its nature, the amount sanctioned in the borrower’s account may be less than the stock’s worth. Compared to traditional assets like immovable property, financial assets like shares are riskier due to the volatility of the stock market.

    2. Companies on the list

    As lenders examine the applicant’s database, they often pay attention to the company whose stocks are being pledged. If the company does not appear on the list of lenders, the loan application will be denied. The borrower must therefore review the list of companies before applying.

    3. Selling stocks:

    The borrower loses a certain amount of control over equities after getting a loan. As a result, if they wish to sell their shares at a later date for a profit, they will be prohibited from doing so by the loan. If the borrower pays off the loan, he or she will gain complete ownership of the stocks.

    4. Unable to sell shares if they are trading at a higher price

    As long as the bank has placed a lien on the shares, the borrower will not be able to sell them if the stock market rises.

    Consequently, they may lose out on the opportunity to sell the stock for more. Also, if the borrower can’t pay back the loan, the bank may be able to sell the shares, which means that blue-chip stocks will be lost.

    Precautions to be taken while Advancing Loans against Securities

    Certain precautions must be taken when granting advances.

    Purpose of the loan:

    A loan's repayment is largely determined by the purpose for which it was obtained. The chances of loss are greater for a borrower who engages in speculation. Therefore, the banker will be responsible for sharing the loss. The use of advances for speculative purposes should therefore be prohibited.

    The integrity of the borrower

    It's important for the banker to make sure that the borrower is honest and trustworthy and that he has the right kind of experience in his field. A precaution such as this is necessary to prevent fraudulent transactions. Furthermore, he should confirm that the borrower has sufficient practical experience in his field. Experienced businessmen are familiar with the risks and profitable areas of their business. Those without experience may suffer losses and pose a risk.


    If you need cash quickly, you can get a loan against your investments without selling them. Despite being pledged by the borrower, the investments earn dividends and profits. Since these loans do not have monthly payments and the terms for paying them back are flexible, it is not a good idea to sell assets quickly. With Rurash Financials, you’ll be able to get customized loan solutions based on your investment portfolio and needs. By taking out a loan and pledging your securities with Rurash Financials, you will be able to benefit from the most competitive interest rates. ( as low as 9%)

    Rurash Financials is one of India’s top investment management firms, providing financial solutions to augment the client’s wealth and facilitate building a legacy. For any guidance regarding financial instruments, Connect with the relationship manager now or write to: