FAQs: Mortgage In opposition to Shares on Tickertape

Final Up to date on Mar 5, 2026 by Ayushi Gangwar

Welcome to our complete FAQs information for Mortgage In opposition to Shares on Tickertape.
Mortgage In opposition to Shares is our providing that means that you can borrow in opposition to your inventory investments. We perceive you might have a spread of questions, from eligibility to potential use circumstances. Relaxation assured, we’re right here to supply the solutions you’re in search of!

Understanding Mortgage In opposition to Shares

1. What’s Mortgage In opposition to Shares (LAS)?

• LAS is a monetary answer that means that you can borrow cash by utilizing your shares and ETFs as collateral, with out promoting your investments. It’s a solution to entry liquidity whereas sustaining your market place.

2. What securities can I pledge for LAS?

3. How a lot mortgage can I take in opposition to my mutual fund investments? 

• The mortgage quantity will depend on the worth of the mutual funds you’ll maintain as collateral. You’ll be able to avail a mortgage in opposition to mutual funds for any quantity ranging from ₹10,000.

4. How does LAS differ from different mortgage varieties?

• Not like standard loans that will require property paperwork, revenue proof, or sturdy credit score scores, LAS makes use of your present investments as safety. You profit from:
  • A simplified approval course of
  • Versatile withdrawals and repayments
  • Possession stays with you, and you’ll proceed to obtain company motion advantages comparable to dividends and bonuses, except in any other case acknowledged within the settlement.

5. Is LAS totally different from LAMF (Mortgage In opposition to Mutual Funds)?

• Sure. Whereas each let you borrow in opposition to investments:
  • LAS is particularly for shares and ETFs
  • LAMF is for mutual fund investments

6. Can we take LAS and LAMF collectively?

• Sure, you possibly can mix LAS and LAMF to maximise your borrowing potential. In case you have an present LAMF, you possibly can add LAS by utilizing your shares as further collateral. Equally, if leveraging your mutual funds.
• This lets you utilise each your inventory and mutual fund investments to entry increased mortgage quantities. The one restriction is that you simply can’t take a top-up mortgage on LAS utilizing one other LAS.

Mortgage particulars and Eligibility

1. How a lot can I borrow by LAS?

• You’ll be able to borrow from ₹25,000 as much as ₹5,00,00,000, relying in your eligible securities. The loan-to-value (LTV) ratio is 45% on authorised shares and ETFs, topic to the portfolio assembly the lender’s danger circumstances.

2. What’s the rate of interest for LAS?

• The rate of interest ranges from 10.4% to 10.9% each year on the excellent mortgage quantity.

3. How lengthy can I take the mortgage for?

• The default tenure of the mortgage is 36 months.

4. What are my month-to-month cost obligations?

• Each month, you solely pay curiosity on the fee of 10.4% – 10.9% p.a. on the excellent mortgage quantity. For example, if in case you have an impressive mortgage of ₹1 lakh, your month-to-month cost could be (1 lakh) x (10.4/12)/100) = ₹866.

5. Can LAS be used as a credit score line?

• Sure! As soon as authorised, your LAS works like a credit score line the place you possibly can withdraw and repay a number of instances inside your authorised restrict with out reapplying.

Eligibility and Necessities

1. Which shares and ETFs are eligible for LAS?

• All securities from the lender’s authorised record are eligible. You’ll be able to examine the entire record right here. Moreover:
  • The securities have to be held in your Zerodha demat account
  • Securities underneath lock-in or already pledged are usually not eligible
  • The portfolio should meet the danger standards outlined by the lender

2. Can I pledge my Tickertape investments?

• Nope, not simply but, however we’re actively engaged on it, and this function needs to be out there quickly.

3. Can I get a top-up mortgage for LAS?

• Sure, top-ups can be found for LAS – you possibly can enhance your mortgage by including LAMF. Nevertheless, please observe that we at the moment don’t assist LAS top-up utilizing one other LAS.

Software Course of

1. What paperwork will I would like to use for LAS?

• Making use of for LAS is a very digital and paperless course of. You’ll want:
  • Your PAN
  • The cellphone quantity/e-mail handle linked to your Zerodha account

2. What are the steps to use for LAS?

• Verify your out there credit score restrict for LAS
• Choose the quantity you wish to withdraw and select the corresponding shares or ETFs to pledge as collateral
• Add a checking account to obtain the funds
• Arrange a mandate for a month-to-month curiosity auto-debit
• Pledge your chosen securities
• Full a easy KYC verification
• Signal the web mortgage settlement

3. How are my inventory holdings imported?

• We import your inventory holdings from RBI-regulated Account Aggregators (Finvu & OneMoney) after receiving your specific consent.

4. How lengthy does the appliance course of and disbursement take?

• As soon as the appliance is accomplished, the mortgage quantity is disbursed by 12 PM the following day.

Managing your collateral

1. What occurs after I pledge my shares and ETFs?

• Your securities are lien-marked in favour of the lender, that means they’re stored as collateral. Whereas pledged, you can’t promote these securities, however you possibly can proceed to obtain dividends and different advantages.

2. Can I purchase extra or promote my pledged shares?

• As soon as your shares and ETFs are pledged, you can’t promote them till you shut the mortgage and take away the pledge. Nevertheless, you possibly can proceed to purchase extra securities in your account.

3. When will my securities be unpledged?

• Your securities can be unpledged when you repay all excellent dues and shut the mortgage.

4. Can I unpledge a few of my securities after partial reimbursement?

• No. Partial unpledging is at the moment not supported. The mortgage have to be closed absolutely to unpledge all securities.

Charges & Costs

Mortgage Servicing

1. How do I handle my mortgage as soon as it’s energetic?

• Go to the “Credit score” tab on the Tickertape app to view the Mortgage Dashboard, the place you possibly can handle your repayments, withdrawals, and different mortgage actions.

2. How are my month-to-month dues deducted?

• Month-to-month curiosity funds can be robotically debited from the checking account on which you arrange the e-mandate.

3. How can I repay the mortgage partially or absolutely?

• You’ll be able to go to the “Credit score” tab on the Tickertape app to entry your Mortgage Dashboard. Click on on the ‘Repay Quantity’ button, select the quantity you wish to repay, and full the transaction.

4. What occurs if the worth of my pledged securities drops considerably?

• In case your pledged securities’ worth drops such that your excellent mortgage exceeds the allowed loan-to-value ratio, you’ll have to deliver your mortgage again inside allowed limits by:
  • Repaying a portion of your excellent mortgage, or
  • Pledging further eligible securities
• You’ll be notified totally if an occasion like this happens. However, if you happen to fail to take action inside 7 days after notification, the lender could liquidate a few of your pledged securities to recuperate the surplus quantity.

5. How can I shut my mortgage?

• You’ll be able to request mortgage closure from the assistance part of your ‘Mortgage Dashboard’ or by contacting our assist crew. As soon as all excellent quantities are paid, your pledged securities can be launched, and your mortgage account can be closed with none foreclosures fees.

We hope this information and the borrowing in opposition to shares FAQs helped reply your queries concerning Loans In opposition to Shares. In case you have any issues, questions, or suggestions, please don’t hesitate to contact us by way of e-mail at assist@tickertape.com or chat with our assist crew.

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