Private Beta · LiveUnlock capital from your portfolio without selling a single share.
Loan Against Securities (LAS) lets you pledge your equity, ETF, or mutual fund holdings as collateral and draw credit instantly. Pay interest only on what you use.
Liquidity in three steps
From pledge to funds in your account — the entire process is electronic and typically same-day.
Pledge your securities
Select eligible equity holdings, ETFs, or mutual fund units as collateral. Pledge happens electronically via CDSL/NSDL mechanisms — securities remain in your demat, not transferred.
Instant credit limit
Based on the LTV haircut for each security type, your credit limit is calculated and approved instantly. Nifty 50 stocks qualify for up to 80% LTV.
Draw down as needed
Transfer funds to your bank or trading account within the same day. You pay interest only on the amount drawn — not the full credit limit. Repay anytime without penalty.
Flexible. Transparent. No surprises.
LAS designed with the trader in mind — retain ownership, stay invested, unlock liquidity.
Eligible securities
A broad set of securities qualify for LAS. The more liquid the security, the higher the LTV.
- Nifty 50 stocks (all exchange-listed)
- Nifty 200 constituent stocks
- BSE 500 listed equities
- SME-listed stocks (select)
- Nifty 50 ETFs (Nippon, ICICI, SBI)
- Nifty Next 50 ETFs
- Gold ETFs
- Liquid ETFs
- Large cap equity funds
- Flexi cap funds
- Index funds (Nifty, Sensex)
- Debt funds (select)
- Government Securities (G-Secs)
- State Development Loans (SDLs)
- AAA-rated corporate bonds (select)
Loan-to-Value reference table
LTV haircuts are set by the NBFC partner and may vary based on market conditions and SEBI guidelines.
| Security Type | Max LTV |
|---|---|
| Nifty 50 Stocks | 80% |
| Nifty 200 Stocks | 70% |
| ETFs | 75% |
| Mutual Funds | 60% |
| G-Sec / SDL Bonds | 90% |
| AAA Corporate Bonds | 70% |
| SME Stocks | 40% |
Atom Trade LAS is facilitated through NBFC partners regulated by RBI. Securities are pledged through CDSL/NSDL mechanisms under the standardised pledge-repledge framework. LTV ratios are indicative and subject to change based on SEBI/RBI directives and market volatility. Interest rates are determined by the NBFC partner at the time of disbursement.
LAS vs. selling vs. margin
Three ways to access capital from your portfolio — only one lets you stay invested.
| Factor | Selling Holdings | Broker Margin | LAS |
|---|---|---|---|
| Stay invested | No | Partial | Yes |
| Retain dividends | No | Yes | Yes |
| Capital gains tax event | Yes | No | No |
| Flexible drawdown | No | Limited | Yes |
| Pay interest on used amount only | N/A | No | Yes |
| No forced liquidation risk (if LTV maintained) | N/A | No | Yes |
Unlock liquidity
Your portfolio can work harder.
Check eligibility in minutes. No documentation needed to get your credit limit estimate. Available on Pro and Institutional plans.
LAS is facilitated via NBFC partners · Securities pledged via CDSL/NSDL · Rates subject to change
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