Personal Loans are usually unsecured, but Loans against securities and shares offer a secured option with higher approval rates. You can borrow without selling your investments, continuing to earn profits and dividends. Before applying, define the purpose of the loan. Eligibility is similar to personal loans, with checks on your credit score and the value of pledged securities. Lenders assess your creditworthiness and account for market fluctuations when valuing your investments. Choose a lender offering the highest value at competitive terms, and ensure your investments are on the pre-approved list of shares, mutual funds, bonds, or ETFs. SMFG India Credit offers loans against securities up to ₹20 crore, with a fast, online process and minimal paperwork