- Unsecured loan up to ₹50 lakhs
- Instant Loan Offer
- Minimum documentation
- No Collateral Required
At SAR, we offer unsecured term loans with fast approvals, competitive rates, and flexible repayment options. Whether you’re a growing business or an established enterprise, get the capital you need to expand, upgrade, manage cash flow, or meet working capital demands.
A loan against securities lets you pledge your financial assets such as listed shares, mutual funds, or bonds, as collateral and receive funds instantly. You retain full ownership of your investments. They continue to grow, while you get the liquidity you need.
No sale. No exit. No lost upside.
You can borrow against:
- Listed equity shares
- Equity and debt mutual funds
- Government and corporate bonds
- Select fixed-income instruments
Eligible securities are subject to SAR Finance’s internal assessment and prevailing RBI guidelines.
Here are the steps you can follow to get a term loan of up to ₹50 lakh:
Who is this for?
- Investors who need short-term liquidity without disturbing long-term holdings.
- Business owners who want working capital without selling their portfolio.
- Professionals facing any large expense and want to borrow smart, not sell cheap.
- Anyone who believes selling investments in a growing market is the last resort, not the first.
- Indian resident, aged 21–70
- Holding eligible securities in your name
- Valid KYC (PAN, Aadhaar)
- Demat account with a recognised depository participant
- PAN Card
- Aadhaar Card
- Demat account statement / Mutual fund CAS
- Bank statement (last 3 months)
- Loan application form
Loan details at a glance
Features | Details |
| Loan Amount | Up to ₹___ Cr*hs |
| Interest Rate | Starting at ___% p.a. |
| LTV Ratio | Up to 50% for shares, up to 80% for mutual funds* |
| Tenure | Up to 36 months |
| Prepayment | Zero charges |
| Processing Fee | Up to ___% of loan amounts |
| Disbursal | Same day (subject to documentation) |
*As per RBI guidelines. Actual terms subject to portfolio assessment.
Do I lose ownership of my investments?
No. You pledge your securities as collateral, but ownership remains with you. You continue to receive dividends and corporate benefits.
What happens if my portfolio value drops?
If the value falls below the required LTV ratio, we may ask you to either pledge additional securities or make a partial repayment. This is called a margin call.
Can I repay early?
Yes. Zero prepayment charges. Pay off your loan anytime.
How fast is disbursal?
Same day in most cases, subject to completed documentation and digital pledge.
Is this regulated?
Absolutely. SAR Finance is an RBI-registered NBFC. All LAS products comply with RBI’s guidelines on lending against securities.