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Loan Against Shares & Mutual Fund; Why Use Loan against Securities?

<br><br>Loan against Securities (LAS) is a type of overdraft that allows you to use your investments as collateral instead of selling them during market downturns. Now you can protect yourself from the unexpected by obtaining a loan secured by your assets. Apply for a stock loan to get quick cash without worrying about foreclosure.<br><br>

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Loan Against Shares & Mutual Fund; Why Use Loan against Securities?

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  1. Loan Against Shares & Mutual Fund; Why Use Loan against Securities?

  2. Loan against Securities (LAS) is a type of overdraft that allows you to use your investments as collateral instead of selling them during market downturns. Now you can protect yourself from the unexpected by obtaining a loan secured by your assets. Apply for a stock loan to get quick cash without worrying about foreclosure.

  3. Why use loan against securities? • You maintain ownership of your investment and continue to earn benefits such as dividends and bonuses from it. A loan against securities allows you to receive a large loan amount, up to 80% of the collateral deposited. Easy renewal and quick eligibility without the need for an extra document or proof of income. Individuals can bring instant liquidity, greatly increasing their investment potential. Payment options are flexible and there are no foreclosure penalties. Apply for a LAS anytime using our simple online application process.

  4. Unsecured Loan Benefits • These loans are quick and easy to obtain, with minimal paperwork due to the fact that it is a secured loan. The value of the loan is always less than the cash value of the investment; If the cash value approaches the outstanding value of the loan, the lender may request more security or pay off the collateral and close the loan. • The value of the loan can range between 50% and 90% of the underlying asset (50% for equity shares and 90% for bank deposits, surrender value of the insurance policy) • Compared to unsecured loans and credit cards, it has the lowest interest rate. Unlike unsecured loans, there is no EMI to worry about; only interest must be paid. Only the approved loan amount that has been used is used to calculate interest (pay as you go). There are no prepayment penalties or foreclosure fees.

  5. Loan against shares • This loan can be used as an overdraft or demand loan against the list of eligible securities. This keeps you involved in the stock market and at the same time allows you to obtain a loan in the event of a financial emergency. The amount of your loan varies based on market conditions. In the event that the value of the stock falls, the lender may ask you to increase the value of the collateral by promising more shares or replacing them with cash. Typically, you can raise up to 50% of the value of the pledged shares.

  6. Loan Against Mutual Funds • Loans Against Mutual Funds in the Digital Age (LAMF). You can put an overdraft limit on your account by pledging mutual fund investments online. Benefits include instant access to funds, the option to maintain mutual fund returns without having to liquidate them, and more. With our Instant Loan Against Mutual Funds feature, you can now get fast, paperless liquidity against your mutual funds. With a few clicks, a lien can be placed on mutual funds managed by asset management companies registered with Computer Age Management Solutions Private Limited ("CAMS").

  7. Loans against insurance • Insurance loans are available from banks and insurance companies. However, it is not allowed in the case of Unit Linked Insurance Plans (Ulips) or term insurance contracts. The loan amount is between 60% and 90% of the surrender value of the insurance policy. Only if you bought your policy at least three years before the loan application can you apply for a loan against it.

  8. About Us • CAMS’ paper-less solution streamlines loan approval and lien marking processes. It leverages the myCAMS portal to provide a seamless experience to your end customers who have invested in CAMS serviced Mutual Funds. The solution brings access to schemes of 17 Mutual Funds clients serviced by CAMS. • Website - https://www.camsonline.com/Business/LoanAgainstMF

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