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LAS Drawing Power Calculator
Result
Chart
Show formula & working
Drawing power = Σ Market value × (1 − haircut)
Banks value listed shares and fund units at the lower of the 6-month average and the previous day's close. Loans by banks to an individual against shares and equity funds are capped at ₹1 crore in all.Details
RBI LTV ceilings for bank loans to individuals against securities: rates and rules as of 01-Oct-2026 · Source: RBI (Commercial Banks – Credit Facilities) Directions, 2025 (updated as on 1 October 2026), Chapter XIII, section Q (paragraphs 219G–219L, effective 1 July 2026). Every figure based on it stays editable.
How this works
A loan against securities is an overdraft secured by your shares or fund units. The lender lends a share of their value — the rest is a cushion (haircut) against market falls.
RBI caps how much banks may lend as a share of value: 60% on shares, 75% on equity funds and ETFs, 85% on debt funds. In practice lenders usually lend less on equity — typically 45%–50% on shares and equity funds, and 85%–90% on debt funds. NBFCs follow their own rules. The defaults here are 50%, 50% and 85%; change them to your lender's figures.
Frequently asked questions
Do I keep my investments?
Yes. They are pledged, not sold, so they stay invested — but you cannot sell them while pledged without the lender's release.
What if the market falls?
Your drawing power falls with it. If the loan exceeds it, you get a margin call. The LAS Margin Call calculator shows how much fall you can absorb.
Talk to Rytvae
Compare lenders, structure the loan and plan prepayments with someone who reads sanction letters for a living.