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Home > Loans Against Marketable Securities




This product entails lending to promoters of large, reputed SMEs and corporates against shares held by them in their companies and other collateral, in order to augment the resources at the disposal of the promoters. RFL undertakes credit appraisal to establish the serviceability of the loans and also maintains a high margin of safety on the security.
Long term investment being sold for liquidity needs? Religare has a better solution for you. The capacity of your investment to capitalize your wealth: LAS

LOAN AGAINST SECURITIES from RFL allows you to envisage the power of your financial assets and earn all investment benefits. This gives you the option for immediate liquidity without selling the financial assets and further multiplying your investments. The product can be availed by depositing the shares as collaterals with the financer, thus, leveraging your investments.

Available through Religare's wide retail network in more than 1837 locations across 498 towns and cities, this comes with unlimited benefits like:
  • Interest charged only on the utilized amount
  • Low Processing charge & Rate of Interest
  • Exhaustive list of approved securities

Eligibility
  • Only residents between the age of 18 and 75 years can apply
  • Limited Companies, Partnership firms, Sole Proprietors and Hindu Undivided Families (HUF’s) are also eligible
  • Loan only against approved scrip's

Application Processing
Few easy steps towards:
  • Filling of the Application Form & execution of a Loan Agreement
  • Opening of a PoA* Bank account
  • Opening of a PoA* Demat account

Download

*Power of Attorney
Please note the use of this facility will be subject to your acceptance of the relevant terms and conditions and must not be used for any anti social purposes. All loans at the sole discretion of the lender.

For any further information, please visit any of our retail outlets or write to us at info@religare.com
Loan against Mutual Funds ("LAMF") intends to cater the customers willing to leverage their investment in form of the Mutual Fund units for ready cash without redeeming them. The product is offered at very competitive interest rates against the units from specific fund houses / AMCs' or schemes as acceptable to RFL.

Product Features
  • Repayments: Easy EMI / Bullet Repayment
  • Maximum Repayment Tenure: 3 – 12 Months
  • Minimum Loan Amount (Rs.): 5,00,000
  • Rate of Interest: Market Competitive
  • Processing Charges (Rs.): 1000

Key Benefits
  • Easier and Faster Processing
  • Instant Liquidity can be availed for personal as well investment needs
  • Offered against a wide range of Mutual Fund units
  • Competitive Interest Rates

The Religare Edge
  • Tailor made solutions to meet your requirement
  • Quick & hassle free services
  • Easy Documentation
  • Competitive rates of Interest
The first sale of stock by a company to the public is termed as Initial Public Offer (IPO). IPOs are issued with the purpose of seeking capital to expand and diversify and to be simultaneously traded on the Stock Exchange Bourses.

IPO gives an opportunity to the investor(s) to be a part of an existing company and have a share in it. To subscribe to the offer of any company, the investor(s) need to have ready cash at their disposal at the time of application. This might not be so in all circumstances.

Here, IPO Financing acts as a support scheme to cash-in on the opportunities available in the primary market. IPO Financing is a scheme wherein the investor provides the margin amount, and the financier finances the remaining amount at an agreed rate of interest and other mutually agreed upon terms and conditions.

Example Own Investment Through IPO financing
Investor’s fund (Rs.) 10,00,000 10,00,000
Financing (Rs.) * 0 90,00,000
Application size 10,00,000 1,00,00,000
No. of shares applied for (assuming issue price to be 100/-) 10,000 1,00,000
No. of times issue is oversubscribed 50 50
Shares allotted 200 2000
A loan product from RFL offered to Promoters of the listed companies against their shareholding in their respective companies. With the help of this facility, the promoters can increase their stake in the company or use it for the expansion of their business. The product comes with various benefits as under:
  • Easy leveraging against existing assets
  • Liquidity for business expansion or meeting short term requirements
  • Instant opportunity to consolidate the promoter holding in the company

Product Features
  • Competitive interest rates
  • Maximum term of 12 months
  • Margin requirements of case to case basis
  • Minimum loan amount of Rs 1 crore
  • Easy documentation & quick online disbursal
  • Repayment through EMI or one time repayment

Application Processing
  • Filling of the Application Form & execution of a Loan Agreement and related documents
  • Pledge of shares

For any further information, please email us at promoterfunding@religare.com
As it is said "Our favorite holding period is forever", your investments shall remain invested for a longer period! We at Religare, understand the value of your investments and hence have a better solution for catering to your immediate cash requirements. LAS Plus offers an exclusive opportunity to avail loan using the shares as collateral guarantee. Offered at very competitive interest against the RFL’s AS* list of shares, it’s a convenient way to raise funds.

Eligibility
  • Only Indian residents between the age of 18 and 75 years can apply.
  • Companies, Partnership Firms, Sole Proprietors and Hindu Undivided Families (HUFs) are also eligible.

Key Benefits
  • Meeting liquidity without selling your long term investments.
  • Available at very competitive interest rates
  • Loan repayments through easy EMIs

Features
  • Tenor- Loans offered for 3-12 months
  • Exhaustive number of approved securities
  • Minimum loan amount of Rs. 500000
  • Avail loan upto 60% of the value of shares pledged.

*Approved Category – List of shares acceptable to Religare Finvest Limited.

For any further details, please write to us at lasplus@religare.com
Dynamic Employee Stock Option Plan (ESOP) is an offering of shares to the employees of a company as a reward. The shares are offered to employees at a price, which is usually less than the market price. Religare Finvest Limited (RFL) offers loan facility to the employees who have been rewarded ESOPs. The product aims at financing the exercise price & the tax thereon which the employee will have to bear for exercising the vested options.

Product Features
  • Loan Tenure: 3-12 Months
  • Rate of Interest: Competitive
  • Minimum Loan Amount (Rs.): 100000
  • Repayment: Through EMI or one time repayment
  • Processing Charges (Rs.): 500 (Non Refundable)

Product Benefits
  • Easy documentation
  • No prepayment charges shall be levied in case of loan being prepaid
  • Investment opportunity with small margin amount
  • Interest will be charged for the period of actual utilization of funds

For further queries, you may write to us at esopfinancing@religare.com