Instant liquidity by pledging your shares and mutual fund folios without disrupting your compounding or selling assets.
Preserve Compounding
Avoid selling equities prematurely, allowing your long-term wealth journey to remain intact.
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Smart Liquidity
Unlock Instant Capital Without Selling Your Investments
Selling high-performing equity shares or long-term mutual fund folios during sudden cash needs triggers taxes and disrupts long-term compounding.
A Loan Against Share (LAS) or Loan Against Mutual Funds (LAMF) offers an intelligent alternative: pledge your approved securities with premier financial institutions and unlock quick credit at attractive interest rates.
At Wealthline Investments, we facilitate seamless digital pledging, allowing you to meet temporary business or personal liquidity needs while your portfolio continues to generate market returns and dividends.
Pay Interest Only on the Utilized Amount
Structured as an overdraft credit line, you only pay interest on the exact sum drawn and for the duration it remains utilized, with zero prepayment penalties in most structures.
Why Choose Loan Against Share?
Maintain your long-term wealth strategy while solving short-term cash flow gaps.
Loan amounts up to 50%–70% of the market value of approved shares and mutual funds
Interest charged only on the utilized credit limit, calculated on a daily basis
Zero need to sell assets at a loss or incur high Short-Term Capital Gains (STCG) tax
100% digital lien marking and swift loan disbursement directly into your bank account
Key Features
Attractive Interest Rates
Significantly lower interest rates compared to unsecured personal loans or credit card debt.
Retain Ownership Benefits
You continue to receive all dividends, bonuses, and capital appreciation on pledged scrips.
Overdraft Flexibility
Deposit and withdraw funds flexibly, paying interest strictly on the utilized balance.
Speedy Digital Processing
Paperless lien marking through depository OTP verification with fast-track processing.
Your Benefits with Wealthline
Tax Efficiency
Avoid triggering capital gains tax liabilities that would otherwise arise from selling shares.
Lower Cost of Capital
Secured nature of the loan means substantially cheaper borrowing costs than personal loans.
Emergency Backup
Acts as a ready credit line for business working capital, medical needs, or short-term obligations.
OUR APPROACH
How We Work With You
STEP 01
Portfolio Scrutiny
We review your holding statement against the lending partner's approved scrip and AMC list.
STEP 02
Credit Limit Evaluation
Calculate your eligible loan limit based on regulatory Loan-to-Value (LTV) limits.
STEP 03
Digital Lien Marking
Approve electronic pledge via depository OTP (CDSL/NSDL) in a few clicks.
STEP 04
Limit Activation
Overdraft limit is activated in your bank account, ready for immediate utilization.
Who Is This Right For?
Ideal for business owners, entrepreneurs, and equity investors who require short to medium-term liquidity without compromising their long-term equity growth.
Regulatory Disclosure: Loans Against Shares / Mutual Funds are subject to bank/NBFC lending policies, margin requirements, approved scrip lists, and market risk. Pledged securities may be subject to margin calls in case of sharp market fluctuations.
QUESTIONS & ANSWERS
Frequently Asked Questions
Common questions about Loan Against Share. Still have queries? We are here to help.