Credit Advisory
Unlock liquidity, keep your portfolio.
Borrow smart — without selling a single share. Your portfolio is an asset, not just an investment. We help HNIs and corporates access competitive credit lines backed by their existing holdings — so you can fund new opportunities without triggering capital gains or losing long-term positions.
Built on a considered shelf.
Loan Against Portfolio
Borrow against your equity, mutual fund, or bond portfolio at competitive rates — without liquidating your positions or triggering capital gains.
Loan Against Property (LRD)
Leverage residential or commercial property for working capital, business expansion, or new investments. Structured for HNI-scale requirements.
Structured Credit Solutions
Bespoke lending structures for complex needs — promoter funding, ESOP financing, margin funding, and bridge loans tailored to your situation.
Overdraft Against Securities
Flexible credit lines backed by your investments. Draw and repay as needed — pay interest only on what you use.
Multi-Lender Rate Negotiation
We work across banks and NBFCs to secure the most competitive rates and terms for your borrowing profile and collateral.
Tax-Efficient Leverage
Strategic use of debt to fund new investments while preserving existing positions — optimising for after-tax returns across your portfolio.
The questions clients
actually ask.
- What can I pledge as collateral for a loan against portfolio?
- Most listed equities, mutual fund units (equity and debt), bonds, and insurance policies are accepted. We help identify which holdings in your portfolio attract the best loan-to-value ratios.
- What loan-to-value (LTV) ratio can I expect?
- LTV varies by collateral — typically 50-70% for equities, 70-80% for mutual funds, and 75-85% for bonds and FDs. We negotiate the highest LTV available across our lending partners.
- Does a loan against portfolio trigger capital gains tax?
- No. Pledging securities as collateral does not constitute a sale and therefore does not trigger any capital gains liability. Your investments continue to earn returns while serving as collateral.
Talk to a senior advisor.
A 45-minute consultation, written assessment, no obligations.