Find customised home loan solutions for your unique needs
Find a better interest rate for your existing home loan
Get a loan on your existing home loan to meet your needs
Turn your assets into a financial ally
Meet all your dreams and needs with a collateral-free Personal Loan
Make loan repayment flexible and hassle-free with Flexi Loans
Get quick funds with Aditya Birla Capital Instant Personal Loan
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Check your Aditya Birla Capital Personal Loan eligibility
Enjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
CALCULATE NOWBoost your business growth with competitive rates and flexible terms backed by your assets
Get anytime funds, quick approval, & ongoing support with Line of Credit
Strengthen your business cash flow with quick access to funds & flexible repayment options
Improve your cash flow & gain quick access to funds by discounting your invoices
Fuel your business expansion with fast approval and flexible terms without the need for collateral.
Our solutions with Flexible funding, project requirements to drive construction forward.
Turn your property vision into reality with flexible terms and competitive interest rates.
Unlock the value of your property offering quick access to funds by leveraging your rental income.
Leverage your investments with Loan Against Shares, while retaining ownership of your assets
Unlock the value of your investments while keeping your assets intact
Get loans for all your business needs at attractive rates
Seize investment opportunities with IPO Financing to help you invest with ease.
Empower your business growth with financial solutions to support expansion & ownership
Turn your ideas into reality with flexible funding to support your vision from start to finish
Turn your ideas into reality with flexible funding to support your vision from start to finish
Keep your business running smoothly with quick access to funds for day-to-day operations
Achieve your business goals with flexible repayment options & competitive rates for long-term growth
Diversify your portfolio and reduce risk with Debt Funds
Invest smartly in Equity Funds to aim for higher returns
Diversify your portfolio and reduce your risk with a mix of equity and debt
Retirement Funds
Children’s Funds
Exchange Traded Funds
Choose the smart way to diversify risks and grow investments
Follow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate NowBring security and peace to life’s unpredictability
Get a guaranteed regular pension plus a lump sum on plan maturity
Get a guaranteed regular pension plus lump sum on plan maturity
Get a guaranteed regular pension plus lump sum on plan maturity
Find out how much life insurance you need with our Human Life calculator
CALCULATE NOWProtect your vision with comprehensive eye insurance.
Protect your smile with comprehensive dental insurance and coverage plans tailored for you.
Get financial support with our hospital cash insurance for unexpected medical expenses.
Get the best mental health insurance online with ABCD Aditya Birla Capital today!
Secure your future with our affordable personal accident insurance plans.
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. Powered by over 59,000 employees, the businesses of ABCL have a nationwide reach with over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1482No. of Employees
33,500+Agents/Channel Partners
2,00,000+Aggregate Assets
INR 3,550 BillionActive Customer Base
39 MillionConsolidated Lending Book
INR 699 BillionCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Calculate the expected EMI of your loan for easier repayments
It measure your leanness or obesity basis your height and the weight.
Calculate the tax payable by you based on your income
Estimate the returns you can earn with your SIP investments
Calculate the Life Insurance cover you need to secure your family’s future
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
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.
Loan against Shares Application Form
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.
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.
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.
Call 1800 270 7000 or write us at care.finance@adityabirlacapital.com.
A loan against shares involves pledging shares, mutual funds, or life insurance policies as collateral to obtain a loan from the bank.
Under a loan against shares, various types of shares can be accepted as collateral, including:
The loan-to-value (LTV) ratio for shares offered as collateral is typically up to 50% of the share value. That implies that when you use shares as collateral for a loan, you can generally borrow an amount equivalent to up to half of the total value of those shares.
The tenure of a loan against shares ranges from 7 days to 36 months.
The accepted list of scrips for a loan against shares includes the following:
For a loan against shares, the following collaterals are required:
Shares of publicly traded companies listed on recognised stock exchanges.