Loan Against Securities (LAS) - Overview

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 20% p.a.

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  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.


1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.