No CIBIL check · No income proof

Borrow against
investments.
Without selling.

Pledge mutual funds or listed stocks and get a credit line of up to 80% of their value. You never sell a unit - stay invested and pay interest only on what you use.

Check your limit
9.9%p.a.
Interest from
₹5 Cr
Loan up to
30 min
Money credited in
Approved limit
₹11,82,680
against ₹18,65,360 portfolio · 63%
READY
Pledged holdings
Short Term Debt Fund
80%
₹6,80,000
Flexi Cap Fund
50%
₹4,12,840
Listed Equity · 280 sh
50%
₹4,86,400
Large Cap Fund
50%
₹2,86,120
Holdings keep earning returns while pledged.
Interest used
₹3,420
this month · 12 days drawn
9.9%
₹3,80,000 drawnof ₹11,82,680
Why Forward

Liquidity without losing
your investment thesis.

Stay invested, keep earning.

You stay the beneficial owner - returns, dividends and bonuses remain yours while pledged.

Borrow up to 80% of value.

80% LTV on debt, 50% on equity and listed stocks. Limits up to ₹5 crore.

Pay only for what you use.

From 9.9% p.a., charged on the amount drawn, for the days held. No prepayment penalty.

No CIBIL, no income proof.

A secured facility - no credit score, salary slips or bank statements required.

Approved in 15 minutes.

Money reaches your bank within 30 minutes. Every step is digital.

A real human on call.

Your relationship manager is one tap away for KYC, portfolio or a second opinion.

How it works

From PAN to payout
in five clean steps.

The whole journey runs end-to-end on Forward Wealth. No bank visits, no couriered forms, no signatures on stamp paper.

  1. 01

    See your portfolio

    Enter PAN and mobile. We fetch your CAMS and NSDL holdings in seconds.

  2. 02

    Digital KYC

    Verify identity, address and bank in one Aadhaar-linked flow. No paperwork.

  3. 03

    Pledge securities

    Choose what to pledge. A digital lien is marked - you stay the owner.

  4. 04

    Sign and accept

    Review your limit, rate and tenure. Sign the agreement digitally.

  5. 05

    Money in your bank

    Withdraw any amount, any time. Money credits within 30 minutes.

Estimate

What you could borrow,
and what it would cost.

Debt schemes
Liquid · gilt · short-duration · corporate bond
₹8,00,000
80% LTV
Equity / hybrid schemes
Large · flexi · mid cap · ELSS · sectoral · hybrid
₹15,00,000
50% LTV
Listed stocks
Approved-scrip list · F&O-traded
₹6,00,000
50% LTV
Tenure
1 year
Your eligible limit
₹14,90,000
51% blended LTV across ₹29,00,000 portfolio
Interest @ 9.9% p.a. for 1 year
₹13,038/month
Charged only on the amount drawn.
Check exact limit with PAN
Manage your loan

Your portfolio keeps moving.
So does your loan.

Top-up your limit when you buy a new SIP. Release a lien when you repay. Swap pledged units when you want to sell one stock without unwinding the whole loan. All three are one-tap requests on Forward Wealth.

Top up your limit

Pledge additional mutual funds or stocks any time. The credit limit recalculates within a few minutes and the new headroom is immediately drawable.

Release a lien

Repay a portion of the loan to free up specific holdings. The lien marker is removed digitally with CAMS or the depository - no calls, no paperwork.

Swap pledged units

Want to sell a pledged stock? Swap it for an equivalent-value security from your free portfolio without repaying the loan. Coverage maintained throughout.

Frequently asked

The short answers,
without the fine print.

See full help centre
Loan Against Securities is a facility where your mutual funds and listed stocks are used as collateral for a loan. Your investments stay in your name - we just place a digital lien on them. You continue to earn returns, dividends, and bonuses while you borrow against the value. Repay any time, and the lien is released.
Three things you keep that you'd lose if you sold instead: compounding (your money stays invested), capital-gains tax (no realised gains, no tax event), and your investment thesis (you don't liquidate a position you still believe in). Forward Wealth gives you liquidity without unwinding any of that.
Resident Indians between 21 and 70 years of age, with a PAN and a demat or mutual-fund holding worth at least ₹50,000. Joint account holders with 'Either or Survivor' mode are eligible. Non-residents, minors, and HUF / corporate accounts cannot apply through the digital flow today - write to us at [email protected] and we'll handle those offline.
Yes. We don't ask for salary slips, ITR, or bank statements. Because the loan is secured by your securities, the underwriting is on the collateral, not your income. The only documents we need are PAN, Aadhaar, and a bank account for disbursal.
No. We don't pull your CIBIL score and a low score won't affect your eligibility. LAS is a secured product - your loan amount is determined by the value and category of the securities you pledge, not your credit history.
Both. Eligible mutual funds get 80% LTV on debt schemes and 50% on equity/hybrid/other. Listed stocks from our approved-scrip list get 50% LTV. The exact stocks on the approved list become visible inside the app once you've completed KYC.
Nothing changes in terms of ownership. You remain the beneficial owner. Returns, dividends, bonus units, rights issues - all of it continues to flow to you. The only restriction is that you can't sell or transfer the pledged units until the lien is released. If you want to sell something specific, use the in-app swap flow to replace it with another security of equivalent value.
Repay the outstanding amount on a holding (or the whole loan) and request a release in-app. We instruct CAMS or the depository within the same day, and the lien marker is removed within 1-2 business days. You can then sell or transfer the securities freely. There's no prepayment penalty.
Check your limit

Approval in 15 minutes.
Money in 30 minutes.

PAN, mobile, and Aadhaar are all you need. We don't pull your CIBIL or ask for income proof. Your investments keep working while you borrow.

Check your limit Talk to us