Loan Against Securities (LAS) - Overview

Loan Against Securities
Company Overview

Nirmal Bang Financial Services Pvt Ltd is a RBI registered Non Banking Financial Company which offers Loan Against Securities (LAS) facility to its clients.

Product Overview

With reference to RBI circular dated 10th April 2015 (DNBS (PD).CC.No. 408 / 03.10.001/2014-15), NBFCs lending against collateral of shares shall, with effect from the date of this circular:

  • Maintain an LTV ratio of 50%; and
  • Accept only Group 1 securities (specified in SMD/ Policy/ Cir - 9/ 2003 dated March 11, 2003 as amended from time to time, issued by SEBI) as collateral for loans of value and also approved by management.
  • Any Shortfall in the maintenance of 50% LTV occurring on account of movement in the share price shall be made good within 7 days. If fail to arrange for maintenance of the 50% LTV within Five days, we would be forced to initiate necessary actions including liquidation of securities, as set out in the terms of the agreement.
If in case any query then please contact at

*Interest Rate: The interest rate varies from 8% to 18% p.a.

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