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Loan Against Securities

Home Loans Loan Against Securities

Smart Capital Solutions

Instant
Liquidity With
Loan Against Securities

Unlock your portfolio without liquidating it. Get instant access to funds by pledging your approved shares, mutual funds, Life Insurance Policies, and bonds with Meghalaya Rural Bank.

Explore Funding Options
Dots
Loan Against Securities

Why choose
LAS?

Maintain the structural growth of your investments while addressing immediate working capital or personal cash shortages.

Keep Investments Intact

Zero liquidation required. You continue to enjoy all your corporate benefits—including dividends, bonuses, and rights issues—while securing cash.

High Loan-to-Value

Maximize your capital reach. Gain an overdraft or distinct loan boundary up to 75% against robustly approved mutual funds and equity shares.

Overdraft Flexibility

Pay precisely for what you utilize. With an overdraft account mapped to your securities, interest is only calculated on the exactly drawn amount.

ApprovedPledges

  • Dematerialized Equity Shares (From our bank's internally approved grid).
  • Mutual Fund Units (Equity, Debt, and Hybrid tracking).
  • Life Insurance Policies (Assigned strongly in favor of the bank based on Surrender Value).
  • NABARD Bonds and valid National Savings Certificates (NSC).

EligibilityProfile

Applicants must be Indian resident citizens actively above 21 years across salaried, self-employed, professional, and corporate parameters. The specific demat account holding the target securities must match the applicant's precise legal identity.

Generate an overdraft instantly by producing the following asset-backing documentation securely.

  • Formal KYC:Proof of identity and updated communication address.
  • DP Holdings Statement:Latest attested statement showing clear balances in your specific demat account.
  • Original Certificates:(If securities/LIC policies exist physically) alongside Assignment Form overlays.
  • Income Proof:Required exclusively if the loan quantum exceeds specific regulatory bounds or if un-matched credit tracking occurs.
  • Lien Marking Application:Officially authorizing MRB to pledge the dematerialized units.

Keep your investments growing!

Don't interrupt your portfolio. Use our Loan Against Securities to unlock immediate liquidity within 24 hours.

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