Loan Against Securities
Your Investments Can Work
While You Keep Them.
Pledge your mutual funds, shares, bonds, or insurance policies to access a liquid credit line — without selling your investments. WEVRIN structures your LAS for maximum loan-to-value and zero disruption to your portfolio.
What is LAS
Liquidity Without
Liquidating Your Portfolio
A Loan Against Securities (LAS) allows you to pledge your financial investments — mutual funds, listed shares, bonds, insurance policies, NSC, or KVP — as collateral and access a revolving overdraft or term loan. You retain ownership of your investments; they simply serve as security for the loan.
This is one of the most financially intelligent borrowing instruments available. Your portfolio continues to grow, earn dividends, and compound — while simultaneously providing you access to capital at rates significantly lower than personal loans or credit cards. WEVRIN structures your LAS across the right lenders for maximum LTV and minimum rate.
The Portfolio Pledge Advantage
Selling ₹30L in equity mutual funds for an emergency means triggering LTCG tax and losing future compounding. A LAS on the same ₹30L portfolio costs ~₹22,500-30,000/month in interest (10% p.a. on ₹27L) — a fraction of the wealth destroyed by liquidating a long-term investment.
Eligible Securities
What Can Be Pledged for LAS
A wide range of financial assets qualify — WEVRIN identifies which assets in your portfolio yield the highest LTV.
Mutual Fund Units
Equity, debt, and hybrid mutual fund units can be pledged. LTV is typically 50-80% depending on fund category. Equity funds: 50-60%. Debt funds: 70-85%. Units stay in your folio — only pledged to the lender.
Listed Equity Shares
Shares of NSE/BSE-listed companies approved on the lender's approved list. LTV typically 50-60%. Market-cap and liquidity of the stock influence the exact LTV granted.
Bonds & NCDs
Listed bonds, NCDs, and government securities can be pledged. Typically attract higher LTV (70-80%) due to lower price volatility compared to equities.
Insurance Policy (LIC/ULIP)
The surrender value of a life insurance policy (LIC endowment, ULIP, or money-back) can serve as collateral — typically up to 80-90% of surrender value.
NSC, KVP & Gov. Instruments
National Savings Certificates and Kisan Vikas Patra can be pledged at post offices or specific banks. Typical LTV: 80-90% of face/maturity value.
ETFs & REITs
Exchange-traded funds and listed REITs on approved lender lists qualify for pledge financing. LTV similar to underlying asset class — equity ETFs at 50-60%, debt ETFs at 70-80%.
How It Works
WEVRIN's LAS
Arrangement Process
Portfolio Assessment
We review your investment portfolio to identify which securities are eligible, their current value, and the effective LTV — determining your maximum loan amount.
Lender Selection
We identify lenders (banks and NBFCs) offering the best LTV, lowest interest rate, and most straightforward pledge process for your specific securities mix.
Pledge Initiation
For mutual funds, the pledge is typically done digitally via CAMS or KFintech in minutes. For shares, the pledge is initiated via CDSL/NSDL depository. We guide you through the exact steps.
Overdraft Limit Activation
Post-pledge, the lender activates your overdraft limit. You draw funds as needed and repay — interest is charged only on the amount utilised, not the full sanctioned limit.
Ongoing Management
We monitor your portfolio-to-loan ratio to ensure you never face a margin call. If market movement reduces the LTV ratio, we advise on top-up pledging or partial repayment.
Key Advantages
Why LAS Is One of the Smartest Borrowing Tools
No other loan product combines this level of rate efficiency, speed, and investment preservation.
No Portfolio Disruption
Your investments remain in your name and continue to grow, earn dividends, and compound throughout the loan period. The pledge is simply a lien — not a transfer of ownership.
Instant Liquidity
Once the pledge is set up, funds are available in your OD account almost immediately. No property valuation, no legal vetting, no waiting weeks for disbursement.
Interest Only on Usage
An LAS overdraft charges interest only on the amount drawn, not the full sanctioned limit. If you need ₹5L but have a ₹20L limit, you pay interest on ₹5L only.
No Tax Event at Pledge
Pledging securities does not trigger capital gains tax — unlike selling your investments. This preserves your long-term compounding and avoids unnecessary tax realisation.
Fully Revolving Facility
As you repay the drawn amount, the limit automatically refreshes. You can draw again whenever needed — making LAS ideal for unpredictable or seasonal cash flow requirements.
Preserves Investment Strategy
Forced selling during a market correction locks in losses permanently. LAS lets you meet a cash need without disrupting your long-term investment strategy at the worst possible time.
Apply Today
Access Liquidity Without Touching Your Investments
WEVRIN structures your LAS facility for maximum loan value, lowest rate, and zero portfolio disruption.