Unlocking Liquidity Without Losing Your Legacy
KIN-LOAN
Kin Loan empowers families to access funds by pledging shares or mutual funds, ensuring immediate liquidity while preserving long‑term wealth and legacy.
Kinheritance Financial Guide Loan Against Shares in India
Need funds for business expansion, education, medical expenses, home renovation, or any personal financial requirement? With Kin-Loan, you can raise funds by taking a loan against your listed shares while continuing to retain ownership of your investments. Instead of selling your valuable portfolio and missing future market growth, leverage your securities to access quick liquidity at competitive interest rates. Kinheritance connects you with trusted lending partners and guides you through the complete loan process—from eligibility assessment and documentation to loan disbursement. Whether you hold shares in demat form or have a diversified equity portfolio, our experts help you maximize your borrowing potential with a transparent, efficient, and hassle-free experience. We ensure you understand the loan terms, repayment structure, and risks involved, enabling you to make informed financial decisions. With minimal paperwork, faster approvals, and dedicated support, Kin-Loan offers a smart financing solution while helping you preserve your long-term wealth.
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What Our Loan Services Cover
We provide seamless loan solutions against shares and mutual funds, ensuring you retain ownership while accessing funds for personal or business needs.
How to Safely Unlock Value from Your Family Assets
Why Loan Against Shares Matters
Quick access to funds
Immediate liquidity for urgent needs
Retain ownership
Continue enjoying dividends and capital appreciation
Lower interest rates
Compared to personal loans or credit cards
Flexible repayment options
Tailored to your financial situation
Our Loan Application Process
Eligibility & Documentation
Verify shareholding and submit ID proofs, Demat details, and income documents.
Loan Structuring
Customized loan amount based on share value and portfolio strength.
- Beneficiaries
- Guardians (if applicable)
- Executors
- Asset distribution instructions
Agreement & Approval
Transparent terms with quick sanctioning process.
Secure Collateral Management
Shares remain in your Demat account with lien marking.
Why Choose Kinheritance
for Loan Against
Shares
1
Expert evaluation of share and mutual fund portfolios
2
Transparent and compliant loan structuring
3
Quick approval with minimal documentation
4
Secure lien marking without losing ownership
5
Flexible repayment support
Blogs
Frequently Asked Questions
It is a facility where you pledge your shares or mutual fund units as collateral to get a loan, without selling your investments
Loans Against Shares (LAS) benefit different segments in one line as follows:
Investors: Unlock liquidity without selling shares.
Businesses: Access quick working capital.
NRIs/Families: Fund legacy planning or emergencies.
High-net-worth individuals: Leverage portfolios for expansion.
Lender -(Tata Capital - https://www.tatacapital.com)
Amount - (Rs. 75,000 to Rs. 40 Crore)
The basic eligibility criteria for a loan against securities are as follows:
• Age: 18 to 70 years
• Residency status: Indian.
• Employment type: Salaried employees, self-employed individuals, partnerships or public/private companies, trusts, proprietorship firms
• Demat account and collateral specifications:
a. You must hold approved securities in a Demat or mutual fund account.
b. The securities must be with recognized depositories (NSDL, https://nsdl.com/ /CDSL https://www.cdslindia.com ) or transfer agents (CAMS, KFIN https://www.kfintech.com/ ).
However, certain Banks may impose additional eligibility criteria depending upon security type.
You can pledge the following types of financial instruments for a loan against securities:
• Equity shares belonging to publicly traded companies included in the lender’s approved list
• Mutual funds
• Exchange-traded funds (ETFs)
• Demat shares
• Bonds such as government securities, Non-Convertible Debentures (NCDs)
Generally, the rate of interest on LAS varies between 9.75 % to 11.75% based on loan value & customer profile.
Other loan-related charges include:
• Processing fee
• Stamp duty
• Lien creation charges
• Lien invocation/revocation charges
• Annual maintenance/renewal charges
• Repossession/liquidation charges
Tata Capital- The typical tenure for a loan against securities is 1 year, with renewal options available upon expiry
Scheduled Commercial Banks- LAS is typically sanctioned for one year and may be renewed annually.
The documents required, along with a duly filled and signed loan against securities application, are as follows:
• KYC documents - identity proof, address proof, signature proof
• Pledge form for pledge creation
• Latest statement of holdings for mutual funds
Tata Capital -You can expect approval and disbursal for digital applications in 24 to 48 hours and for physical processes in 3 to 5 working days after full documentation and pledging.
Scheduled Commercial Banks- Approval timelines are slightly slow and depends on documentation and verification of pledged securities
Margin call is when the value of pledged securities declines beyond a threshold. This threshold is the lender’s acceptable loan-to-value ratio. If your pledged securities drop below the threshold, you may have to either pledge more securities or repay part of the loan.
You can pledge your securities or the securities of a blood relative above 18 years of age. Blood relatives include spouse, parents, children, and blood siblings. The relative must be a co-applicant for the loan.
A loan against securities is a secured loan with financial instruments pledged as collateral. Thus, a personal guarantor is not required, unless the borrower’s financial profile is weak
Generally, there are zero pre-payment charges and no foreclosure charges for Loan against securities/mutual funds
Yes. The securities, despite being pledged, remain in your name, and you are entitled to benefits like dividends, interests, bonuses, and rights issues. However, selling or transferring the securities is not permitted till you repay the loan or adjust the margin.
Yes, both NBFC’s and Banks allows additional eligible securities to be pledged, subject to norms.
Lenders provide LAS as an overdraft facility and interest is charged only on the utilised loan amount and for the actual period of utilisation.
