Unlock Value Without Selling Your Assets.
A loan against assets lets you borrow by pledging something you already own instead of selling it. The lender holds a charge or lien on the asset until the loan is repaid.
Types of Loans Against Assets
- Loan Against Property (LAP) — Borrow against residential, commercial or other eligible property, usually with a longer tenure.
- Loan Against Securities — Borrow against eligible shares and approved securities held in your demat account.
- Loan Against Mutual Funds — Borrow against eligible mutual fund units, which are lien-marked in favour of the lender while you continue to own them.
Risks to Understand
- Asset at risk — If you fail to repay, the lender may sell the pledged property or securities.
- Market-linked collateral — If the value of pledged shares or units falls, the lender may ask for more security or repayment, or may sell part of the holding.
- Loan-to-value limits — The lender gives only a percentage of the asset's value.
- Charges — Interest rates, processing fees and other charges differ by lender and asset type.
How VALUE ADDITION Helps
We help you understand how each type of loan works, compare offers and complete the documentation. The decision to sanction a loan rests entirely with the lender.
Important note
Loans are offered by banks and financial institutions. Eligibility, interest rate, fees, tenure and approval are decided solely by the lending institution and may change over time. Borrow only what you can comfortably repay and read all loan terms and charges carefully before signing. This page is general information, not a loan offer.