Learn more about Loan Against Securities

24x7 Loan against Securities is the fastest and most convenient way to avail loan against marketable securities from the comfort of your home. A customer needs to pledge their shares; mutual funds etc. as collateral to in favour of Axis Bank Limited and avail the overdraft facility. Receive the funds instantly in your account. Pay interest only on the amount utilised.
You can get 24x7 Loan against Securities in just three minutes in easy steps from Axis Bank. The process is completely online, and you don’t need to step out of your home or office to get a loan. Here’s how you can apply for a loan against shares:
  • Step 1: Login to MB/NetBanking/Website and select the securities you want to pledge
  • Step 2: Accept the Terms and Conditions
  • Step 3: Pledge the securities online by confirming an OTP. You will receive funds in your LAS account instantly.
To apply for the 24x7 Loan against Securities, you must meet the following criteria:
  • A savings or current account with Axis Bank and a Demat account with Axis Securities under NSDL
  • Equity and/ or equity Mutual funds in Demat form
  • Mode of Demat operation as single holder
  • Approved scrips to pledge
  • Don’t meet the eligibility criteria for Instant Loan? Please reach out to the nearest branch to avail loan against securities. Also, we are in the process of making the rest instant as well! Stay tuned!
Any customer having 1 single scrip can avail this loan provided the scrip is a part of the approved list of single scrips by Axis Bank. The list of approved scrips can be accessed here:
Yes, the Approved lists are updated on a periodic basis.
Your portfolio is valued periodically, and your overdraft limit varies accordingly, depending on the market rate of the shares you have pledged.

You may at any time choose to increase your overdraft limit by pledging more shares, or decrease it by withdrawing them (within the permissible limits).
A customer can get upto 70%* of the actual value of the security pledged by them. The exact amount depends on a couple of factors such as type of securities pledged etc.
  • 100% digital process, no manual document submission required
  • Transparent processing of the loan
  • Interest will be paid only on the amount utilised
  • Avail loan upto 20 Lakhs for Equity and 1 Cr for Debt from the comfort of your home
  • Fast and convenient process
Customers can pledge shares on their name only to avail this loan. Securities on customer’s relatives, spouse and child’s name cannot be pledged while applying for 24x7 LAS.
It is a 100% paperless process. No physical documents required for submission. Yes, you read that right!
Customers can get a minimum of ₹ 25,000 in lieu of Equity securities and ₹ 1,00,000 for Debt and maximum of ₹ 20,00,000 for Equity in Demat format, ₹ 10,00,000 for Equity in SOA format and ₹ 1 Cr for Debt instantly from the comfort of their home.

You can pledge securities in Demat form such as Shares, Equity Mutual Funds, Debt Mutual Funds, and Bonds.
No, but we are working on accommodating all customers in the upcoming versions of this product. Meanwhile, please reach out to your nearest branch to gather details on the same.
An overdraft account will be created by Axis Bank on the name of the customer. This account will have a drawing capacity. The drawing will depend on the sanctioned amount to the customer based on the securities pledged.


Axis Securities Ltd. acts as a referral agent to Axis Bank Ltd. and the loan facility is brought to you by Axis Bank Ltd. subject to fulfilment of eligibility criteria, terms and conditions etc. Disbursal of loan is at the sole discretion of Axis Bank Ltd. Necessary checks will be done by Axis Bank Ltd.This information is only for consumption by the client and such material should not be redistributed.This is not Exchange traded product and ASL is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.