Instant Cash Against Your Mutual Funds & Stocks
Never sell your assets in a hurry! Unlock an on-demand credit limit up to 80% of your portfolio value in just 10 minutes. Keep your dividends, let your investments compound, and pay interest only on what you withdraw.
Lark Credit Advantages
- Competitive Interest: Rates starting from 9.9% p.a. onwards.
- High Loan-to-Value: Up to 80% credit limit against approved securities.
- Overdraft Flexibility: Pay interest only on what you actually withdraw.
- Zero Penalties: Repay anytime with zero prepayment or foreclosure charges.
- 100% Paperless: Digital pledge marking via CAMS, KFintech, and NSDL/CDSL.
Why Choose Lark Loan Against Securities?
A cost-effective, intelligent alternative to high-interest unsecured borrowing and emergency liquidations.
Stay Fully Invested
Retain full beneficial ownership. Your investments stay in your folio, continuing to earn market compounding, dividends, and bonuses.
Interest On Utilisation
Interest is levied only on the actual amount transferred to your bank account, not on your approved sanction limit.
Zero Prepayment Fees
Repay in full or in parts whenever liquidity is available. No foreclosure penalties, lock-in periods, or hidden charges.
Save on Capital Gains Tax
Redeeming equity or debt investments triggers capital gains taxation. A credit line against holdings avoids triggering taxable events.
Cheaper Than a Personal Loan. Smarter Than Selling.
Compare how borrowing against your portfolio stacks up against alternative ways of raising funds.
| Feature | Lark LAS Credit Line | Unsecured Personal Loan | Selling Mutual Funds |
|---|---|---|---|
| Interest Rate | Starting from 9.9% p.a. | 14% - 24% p.a. | N/A (Loss of Growth) |
| Disbursal Timeline | 10 Minutes (Digital) | 2 to 5 Days | T+2 to T+3 Days |
| Interest Charged On | Only on utilized amount | Entire sanctioned amount | N/A |
| Tax Liability (LTCG / STCG) | ₹0 (No redemption) | ₹0 | 12.5% to 20% Tax applies |
| Investments Kept Intact | Yes (Full Ownership) | N/A | No (Units liquidating) |
| Foreclosure Penalty | ₹0 (Zero Charges) | 2% - 5% Penalty charges | Exit load may apply |
Interactive Credit Line Estimator
Estimate your credit limit and monthly interest payout.
*Calculated at 9.9% p.a. indicative rate for approved equity mutual funds & shares (up to 50% LTV). Debt and liquid funds qualify for up to 80% LTV.
Simple 4-Step Digital Onboarding
Sanction and withdrawal in under 10 minutes with zero physical paperwork.
Fetch Portfolio
Login with your mobile number and verify PAN to automatically fetch eligible mutual funds and equity holdings.
Select & Pledge
Choose the specific folios or shares you want to pledge. Confirmation is completed instantly via RTA OTP.
Set Up Auto-Pay
Complete a quick paperless e-mandate for automated monthly servicing of your interest payments.
Instant Credit
Sign the loan agreement digitally and withdraw money straight to your primary bank account.
Frequently Asked Questions
Essential details on how loan against securities works, eligibility, and pledge liftoff.