Loan Against Securities is a credit facility where your mutual funds and listed stocks are used as collateral. 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 by selling: 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. The entire process is digital, with credit limit confirmed in 15 minutes and disbursal inside 2 hours.
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, HUF, and corporate accounts cannot apply through the digital flow today — write to support@forwardwealth.in and we'll process 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 limit is determined by the value and category of the securities you pledge, not your credit history.
PAN, Aadhaar, an active bank account, and either net-banking credentials or debit-card details so we can set up the e-mandate for monthly interest debits. That's it — no paperwork, no in-person verification.
All eligible mutual-fund schemes across major AMCs (over 6,000 schemes), and listed stocks from our approved-scrip list. Excluded: schemes with fixed lock-ins, schemes already pledged elsewhere, and any security where redemption is restricted. The exact eligible list becomes visible inside the app after KYC.
Yes. You decide which schemes or stocks to pledge and how many units. Your limit recalculates based on the selection. We suggest pledging as much as you're comfortable with — the limit is just a facility, and you only pay interest on what you actually draw.
Still have a question?
Mail us at the address below and our team responds within one business day. For active loans, you’ll find a dedicated relationship-manager chat inside the app.
