Loan Against Shares

Under Loan Against Securities, a Loan against shares is one of the important parts. Here, the funding will be given as a category of shares. For example, if you hold the blue chip shares, the loan-to-value ratio will be a bit higher than that of the blue chip shares. Generally, these shares will be categorized as A, B, and C. Where A is the blue chip, and C is with the weak trading grade.

The reason for the low LTV (loan-to-value ratio) is the risk associated with the shares. One can expect a sudden spike or dip in the prices of the shares, which may vary from some basis points to 10-15% in a day.

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Key Features of Loan Against Shares Facility

Objectives of Loan Against Shares

Many objectives can be achieved with a loan against shares. Some of them include:

Paying for a large expense.
Consolidating debt.
Investing in other opportunities.
Covering unexpected or sudden expenses.
Purchase machinery.
Office renovation or expansion

How Do We Execute the LAS facility?

1. Submitting the portfolio statement.

2. Analyzing the Strengths and Opportunities.

3. Terkar Capital team shares the In-Principle confirmation (before log in).

4. Post your confirmation, we will get the KYC documents.

5. Log in the Proposal with OTP.

6. Pledging the shares.

7. Final Sanction.

8. Disbursement.

LAS Documents

Generally, documents are very simple, and they vary from applicant to applicant.

1. For Individuals

1. Complete Aadhar card copy.
2. Clear Pan Card copy
3. Cancel cheque
4. Passport-size photo.
5. Portfolio statement.

2. For Businesses

1. Business KYC (As per Partnership firm/ Private Limited company / LLP / Public Limited company / HUF)
2. Owner KYC - as like individuals.

Loan Against Shares at Terkar Capital

At Terkar Capital, we help you access the value of your shares without selling them. With our Loan Against Shares facility, you can pledge your listed shares and have quick access to funds for business expansion, working capital, equipment purchase, or even debt consolidation. The loan against shares is generally in the form of an overdraft facility; hence, you pay for what you use. This facility ensures that your investments remain intact and continue to grow while you meet your financial needs with ease.

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FAQs on Loan Against Shares

This is one of the liquid tradable securities. And does not require much due diligence. So the turnaround time to raise the funds will be of 5-6 working days.

No. You continue to own the shares. Only a pledge is created until the loan is repaid.

The loan-to-value ratio depends on the rating of the shares. It starts with 40% and may go up to Rs. 90% of the market value.

There are no restrictions. It can be used for capex, opex, equipment purchase, business expansion, or even personal needs.

No strict credit score requirement. Since the loan is secured against shares, approval is mainly based on the pledged securities.

We Facilitate the Following Funding Instruments

Client Feedback

What our clients think about us?

D*** Shinde

Terkar Capital has demonstrably improved the quality of funding candidates presented to us. Their rigorous client selection process, including a deep financial analysis, gives us confidence in the businesses we evaluate. Their professionalism and execution are top-notch, making them a trusted partner for any financial institution seeking qualified borrowers.

Pratibha K***

Thank You for the numerous financing options that you make available at a lower cost of borrowing. Terkar Capital not only provides transparency but also values the time of its clients. We appreciate the minimal time you took to provide funds to the company. Highly recommend Terkar Capital for funding requirements.

Harshada T***

We are very thankful to Terkar Capital for your efforts in arranging facility. Their approach is very simple, professional, and fast! The team is highly responsive that executed the process in short span of time without any hassles. Great work... Thank you!

M Dwivedi

Obliged for the services by Terkar Capital in helping secure funds for the business. They offer a broad range of advanced funding solutions and deliver financial solutions that are right for customers. Grateful for the services rendered by your firm.

Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.