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1800 270 7000

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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,482

No. of Employees

59,000

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 3,550 Billion

Active Customer Base

39 Million

Consolidated Lending Book

INR 699 Billion

Loans

Investments

Insurance

Loans

Investments

Insurance

Complete Money Solutions

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Home Loan

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

Are you eligible for a Home Loan? Find out now!

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Loan Against Shares

Leverage your securities for easy financial solutions

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Provide basic documentation
Get loan disbursal in no time

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About the Loan
How does Loan Against Shares work?
How does Line of Credit (LOC) work?
Why do you need LAS or LOC?
Features of Loan Against Shares/Line of Credit
Do you have questions ?
Loan Against Shares - FAQs

About the Loan Against Shares

Every business requires funding from time to time. Whether to upgrade operations or purchase new premises, business loans help corporates take a higher leap towards progress. Whether your business is small or large, you may require an inflow of funds to take your operations to the next stage of success. However, you could consider putting your securities in the capital market to use. Instead of monetising your investments in securities, why not take a Loan Against Shares (LAS) also known as Loan Against Securities or a Line of Credit (LOC) and leverage your investments.

How does Loan Against Shares work ?

The Loan Against Shares is a term loan against equity shares you own. It helps you gain the financial flexibility that you need without disrupting your long-term investment strategy. In terms of your fiscal position, Loan Against Securities is a better option to explore instead of bringing your investments in other securities like property and gold in the ambit of loans – the shares you own can generate loans for your business.

How does Line of Credit (LOC) work?

LOC (Line of Credit) is an overdraft facility against your marketable securities. You can draw on this line of credit at any time, but you cannot exceed the maximum limit set by us. The advantage of LOC is that you pay interest only for the actual time period when your business finance is used.

Why do you need LAS or LOC?

If you are a business owner requiring immediate funds, LAS or LOC is the most appropriate financing solution for you. Businesses with expansion plans, or those requiring funds to procure additional manpower, machinery and tech expertise to scale operations should consider Loan Against Securities. Additionally, salaried individuals in need of immediate liquidity may also opt for this financing solution. Loan Against Securities may also be taken for personal reasons as well – consider it in lieu of loan for marriage or for your child's education. An advantage to note is that as long as you hold sufficient eligible securities to use as collateral, this type of credit line may be easier to obtain and it is more cost-effective than other alternatives.

Features of Loan Against Shares/Line of Credit

You do not need to sell your stocks. You simply pledge them to Aditya Birla Capital for up to 365 days.
There is immediate liquidity pending scrutiny of shares.
We offer a minimum loan amount of Rs 25 lakh
The bonuses and dividends on the pledged shares will continue to accrue to you during the loan period.
You can renew the corporate loans at your discretion.
You do not require a guarantor to avail of Loan Against Shares.
These loans typically attract lower interest rates than other forms of credit.
There are no set-up, non-use, or cancellation fees.

Do you have questions?

Call 1800 270 7000 or write us at care.finance@adityabirlacapital.com.

What do we offer?

Loan Against Shares

A term loan against your equity shares that gets you financial flexibility without disrupting your long-term investment strategy. Loan Against Shares is better than loan against other securities like property or gold.

Loan Against Mutual Funds

We offer you the opportunity to receive immediate liquidity against your mutual fund units. Loan Against Mutual Funds is an overdraft facility for short-term monetary requirements with a shorter tenure.

Loan Against Life Insurance Policy

Leverage your existing life insurance policies to quickly generate cash reserves. Loan Against Life Insurance Policies helps you liquidate existing policy(ies) to get funds for professional or business purposes.

IPO Financing

ABCL offers you an opportunity to leverage your funds in primary markets, thereby increasing the Allotment Quantum Manifold. IPO Financing bridges the gap between required funds and the resources at hand at a predefined margin.

Promoter Funding

ABCL’s Promoter Funding is one of the most reliable business funding options against your shares. It helps you gain a financial solution without disrupting your long-term investments.