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Personal, Business & Portfolio-Backed Loans
Business and personal borrowing, plus liquidity against your existing holdings, so your investments stay invested, and growing, while you meet the need.
Educational page, not investment advice. A relationship manager calls you back, usually within one working day.
Loans at a glance
What We Arrange
Loan Against Securities
A credit line against listed shares held in your name. The portfolio stays yours and stays invested; the lender simply marks a lien.
Loan Against Mutual Funds
Digital lien-marking against your fund units, often processed within a few working days, depending on the lender. No exit, no interrupted compounding.
Personal Loans
Unsecured credit for planned or urgent needs, compared across partner banks and NBFCs rather than taken at the first offer.
Business Loans
Working capital and growth funding for your business, arranged through partner banks and NBFCs.
Home Loans & Loan Against Property
Buying, building or unlocking value in property: long-tenure, secured borrowing where the fine print deserves a second pair of eyes.
Gold Loans
Quick, secured borrowing against gold, a traditional standby, arranged through partner lenders.
Why Borrow Against Your Holdings
Liquidity without selling
Access funds for short-term needs while your investments remain in your name and continue to participate in market movements. The lender simply marks a lien on the pledged holdings.
No tax event
Selling investments may trigger capital gains tax. Pledging them does not, allowing you to raise cash without creating a sale-related tax event.
Often lower borrowing costs
Because the loan is secured by eligible investments, interest rates are often lower than those for unsecured personal loans, subject to the lender's policies.
Caveat: Loans are offered by partner banks and NBFCs, subject to their eligibility criteria, credit policies and applicable interest rates. If the value of pledged securities falls below the required margin and the shortfall is not addressed, the lender may liquidate the pledged holdings in accordance with the loan terms.
Know the EMI,
and the real cost.
A loan is not its headline rate. It's a monthly instalment your cash flow must carry, and a total interest figure most borrowers never calculate. Run both in sixty seconds, before any commitment.
Illustrative only: actual rates, charges and terms are set by the lender.
Calculator Preview
Live ToolThe EMI calculator shows instalment, total interest and total repayment for any amount, rate and tenure you choose.
How It Works
Share Your Requirement
Tell us the amount you need, the purpose, your preferred timeline, and any investments you may be able to pledge if a secured loan is suitable. No upfront paperwork and no obligation.
Compare Your Options
Through Andromeda and our partner banks and NBFCs, compare loan offers based on interest rate, tenure, charges and key terms—explained in clear, straightforward language.
Complete with the Lender
Once you choose an offer, the loan is processed directly by the lender. Eligibility, credit approval and pricing remain entirely at the lender's discretion, while we assist with the documentation and process from start to finish.
