What is LAS Prime?

LAS Prime is a high value loan against securities facility designed for individuals and non-individuals, including HNIs, corporates, HUFs, and partnership firms. Whether you need working capital or short-term liquidity, LAS Prime lets you access funding up to ₹20 Crore against your existing investment holdings without liquidating them.
A dedicated Relationship Manager is assigned from the point of onboarding and continues to support all loan-related activities post onboarding, from documentation and pledge coordination to disbursements, margin monitoring, and renewals.
Both Demat and non-Demat mutual funds are accepted as collateral. Demat mutual funds including equity funds, debt funds, and ETFs held in your NSDL or CDSL demat account are eligible. Non-Demat mutual funds held in RTA mode with CAMS or KFintech are also accepted. Interest is charged only on the amount utilised, not the full sanctioned limit.
Equity shares held in your NSDL or CDSL demat account are eligible under LAS Prime. With a large and regularly updated list of approved securities across exchanges, high value investors and corporates can unlock significant liquidity against their shareholdings without triggering a sale.

Features & Benefits

Our branch-assisted Loan Against Securities is designed for investors who want a higher loan limit, a broader set of eligible securities, or the reassurance of a dedicated relationship manager guiding them through every step.
High Value Loans Up to ₹20 Crore
LASPrime offers high value loans. Access funding starting from ₹50,000 up to ₹20 Crore, making it the right fit for both individual investors and non-individual entities with significant funding requirements.
Dedicated Relationship Manager
From application to disbursement, a dedicated relationship manager is assigned to your account. Whether you have questions about eligible securities, need help with documentation, or want to switch pledged securities, your RM handles it end-to-end.
NSDL & CDSL Both Supported
Whether your demat account is with NSDL or CDSL, you can pledge your shares through our branch-assisted route.
Open to Individuals, Corporates, HUF & Partnerships
LASPrime is available to Resident Indian individuals, Indian-registered Corporates, HUFs, and Partnerships, covering a wider range of borrower profiles beyond standard retail customers.
Attractive Interest Rate
Interest starting at 10% p.a., charged only on the amount you actually use and for the number of days it remains utilised. The applicable rate is determined to your borrower profile and the nature of securities pledged, ensuring you pay for exactly what you draw, nothing more.
Higher LTV
Get a higher eligible limit with an LTV of up to 50% on equity securities and Up to 85% on debt securities, depending on the nature of securities pledged.
No EMIs. No Prepayment Charges. No Lock-in.
The facility works like an overdraft. Only monthly interest needs to be serviced. Repay the principal at any time during the tenure with zero prepayment charges and no lock-in period.
800+ Approved Securities
Select from a large and regularly updated list of approved securities, covering equity shares, equity mutual funds, and debt mutual funds across leading AMCs and exchanges.
Ownership Stays With You
Your securities are pledged within your own demat account and are never transferred to any other account. You continue to receive dividends and income from your investments throughout the pledge period.
Third Party Pledge Accepted
LASPrime allows a third party to pledge securities to secure a borrower’s loan. The pledgor and borrower can be different individuals or entities, enabling flexible borrowing structures. All third-party pledges are subject to documentation and eligibility requirements.

How to Apply?

Get a Loan Against Securities in a few easy steps with the help of our branch team. We recommend keeping your PAN, Aadhaar Card, Bank Account details, and Demat Account details handy for a smoother experience.
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Share your contact details to schedule a callback and get started with your LAS Prime application.

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Complete the application form with the required KYC and income documents.

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Provide your bank account details along with your demat holding statement or Client Master List for securities verification.

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Your Relationship Manager will coordinate the pledge process on your behalf across NSDL, CDSL, CAMS, or KFintech as applicable.

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Review and sign the loan agreement. Your LASPrime loan account will be activated upon completion.

Loan Details & Charges

Our aim is to cater to your financial needs with utmost transparency and no hidden charges.

Parameter Details
Minimum Loan Amount ₹50,000
Maximum Loan Amount Up to ₹20 Crores
Interest Rate Starting at 10% p.a
Tenure 36 Months
LTV — Equity Securities Up to 50%
LTV — Debt Securities Up to 85% depending on nature of securities
Interest Calculation Daily basis on the utilised amount; debited on the last working day of the month
Interest Repayment Due Date 10th of every month
Interest Reset Clause Every 30 days
Processing Fees Up to 1% of sanction amount + applicable taxes
APR Minimum APR - 10.75% and Maximum APR - 11.95%
Foreclosure / Prepayment Charges Nil
Penal Interest 2% per annum + applicable taxes on the overdue amount
Margin Shortfall Regularisation Within 7 working days

* Taxes as applicable wherever indicated.

Disclaimer: Loan accounts are reviewed periodically to assess utilisation and performance. Where required, appropriate actions may be taken in line with internal guidelines.

Let’s understand with an example:

If a customer withdraws ₹1,00,000 under LASprime for a period of 12 months, at an annual interest rate of9.75% p.a. , then the customer will pay monthly interest of ₹813.
The total interest payable over 12 months will be ₹9,750.
Total Cost of Loan = Interest Amount + Processing Fees + Stamp Duty = ₹9,750 + ₹1,000 + ₹600 = ₹11,350 (approx.)

Eligibility & Documentation

This facility is open to a wider range of borrowers than our digital product. Here is everything you need to be eligible and what documents to keep ready.
Who Can Apply: Individual
  • Resident Indian individuals between 18 and 74 years of age
  • Portfolio value typically ₹50,000 and above
Who Can Apply: Non-Individual Entities
  • Indian-registered Corporates (entity at least 1 year old)
  • HUF and Partnerships (Indian-registered, at least 1 year old)
Individual Documentation
  • Application form duly filled and signed
  • Aadhaar Card & PAN Card (serves as identity and residence proof)
  • Any one additional residence proof: Passport, Voter ID, Driving License, Masked Aadhaar Card, NREGA Job Card, National Population Register Letter, or E-KYC Authentication
  • 1 passport-size photograph
  • Latest 2 years' Income Tax Returns or Form 16
  • For loan amounts above ₹10000000: detailed financials for 2 years
  • Latest bank statements
  • Demat holding statement or Client Master List
  • Cancelled check and Pledge form
Additional Documentation for Corporates, HUF & Partnerships
  • 2 years' audited financials
  • Networth certificate from a CA
  • Memorandum & Articles of Association (MOA & AOA)
  • Board Resolution, List of Directors, and List of Shareholders (as per prescribed formats)
Approved List of Securities
  • LAS Prime allows loans against a wide range of approved shares and mutual funds. You can pledge eligible securities from your portfolio to access liquidity while continuing to stay invested.
  • The Loan-to-Value (LTV) applicable on pledged securities depends on the underlying scrip or mutual fund scheme, internal risk policies, and market conditions.
  • Refer to the lists below to check the approved shares and mutual funds eligible for pledging
  • The approved securities list is reviewed and updated on a monthly basis.
ViewApproved List of SharesViewApproved List of Mutual Funds

LAS Prime vs Loan Aaginst Mutual Funds and Shares

Feature LAS Prime Loan Aaginst Mutual Funds and Shares
Maximum Loan Amount Up to ₹20 Crores Up to ₹1 Cr (Equity), ₹3 Cr (Debt)
Minimum Loan Amount ₹50,000 ₹25,000
Application Process Branch-assisted, RM-guided 100% digital, self-serve via app/web
Dedicated Relationship Manager Yes Central support available
Pledging via NSDL Support Yes Yes
Pledging via CDSL Support Yes Not supported
Corporate / HUF / Partnership Yes Individuals only
PMS Portfolio Pledging Supported Not available
Loan Tenure 3 Years 1 to 3 years fixed (not renewable)
Renewal Charges Nil. Not applicable
Interest Rate Starting at 10% 10.25% p.a.
Processing Fees Up to 1% of sanction amount+ taxes 12M: ₹999,  24M: ₹1,299,  36M: ₹1,499

FAQs – Things You Should Know About LAS Prime

How Can We Help?

Loan Against Securities Prime is designed for high value investors and corporate borrowers. It offers loan limits up to ₹20 Crores, supports pledging across both NSDL and CDSL depositories, is open to corporates, HUFs and partnerships, and comes with a dedicated Relationship Manager. A standard LAS product typically caps at ₹1 to ₹3 Crores and is designed for individuals using a self-serve digital process.

The applicable interest rate is determined based on your borrower profile and the nature of the securities pledged. Our risk team reviews these factors to determine the final interest rate applicable to your facility.

If the market value of your pledged securities falls such that the utilised amount exceeds the revised eligible limit, a margin shortfall arises. You will have 7 working days to regularise it, by repaying the shortfall amount, pledging additional securities worth 2x the shortfall, or squaring off securities to the extent required. Your RM will proactively notify you and assist with the process.

Demat mutual funds are units held in your demat account with NSDL or CDSL and are pledged directly through the depository. Non-Demat mutual funds are units held in RTA mode with CAMS or KFintech and are pledged through a lien marking process. Loan Against Securities Prime accepts both forms, and your Relationship Manager will coordinate the pledging process based on how your mutual fund units are held.

Indian-registered Corporates, HUFs, and Partnership firms are eligible for Loan Against Securities Prime, provided the entity has been in existence for at least 1 year.

Yes. Corporate entities can avail Loan Against Securities Prime to meet working capital needs by pledging eligible securities held by the entity. End-use conditions apply as per the terms and conditions of the facility.

Yes. Loan Against Securities Prime supports pledging of equity shares held in demat accounts with both NSDL and CDSL. Your Relationship Manager will coordinate the pledge creation with the respective depository directly.

Once the loan account is created, funds are typically available within 3 to 4 hours of a disbursement request being placed, subject to the request being received during working hours.

Yes. Corporates and partnership firms can use the Loan Against Securities Prime facility to meet working capital requirements by pledging eligible securities held on the entity's behalf. End-use conditions apply as per terms and conditions. Your RM will walk you through the permitted use cases.

Yes. Loan Against Securities Prime accepts both Demat and non-Demat mutual funds as collateral within the same loan account, subject to the securities being on the approved list.

Corporate applicants need to submit 2 years of audited financials, a CA-certified networth certificate, Memorandum and Articles of Association, Board Resolution, List of Directors, and List of Shareholders as per prescribed formats. Your Relationship Manager will share the complete documentation checklist.

Yes. HUFs and partnership firms can pledge securities held in the entity's name subject to eligibility and documentation requirements. The entity must be Indian-registered and at least 1 year old at the time of application.