This loan allows you to monetize your savings to raise money for your personal or business funding needs. Except for the securities you are pledging, you are not required to have any additional security or collateral.

Approved Securities

Get a loan against the most diverse collection of collaterals in the sector. The following securities are on the approved list:

Equity Shares

Get a loan for up to 50% of the share’s current value

Mutual Funds

Equity Mutual Funds: Get a loan of up to 50% of the NAV (Net Asset Value).
Debt Mutual Funds/ FMPs: Borrow up to 80% of the NAV.

Life Insurance Policies

Get a loan for up to 80% of the surrender value.

Non-Convertible Debentures (NCD)

Get a loan up to 70% of the face value.

Gold Deposit Certificates (GDC)

You can borrow up to 70% of the face value.

National Savings Certificates (NSC)

You can borrow up to 70% of the present value.

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Features & Benefits

  • Minimum Loan Amount: Rs 50,000/-
  • Maximum Loan: Rs 20.00 lacs
  • Quick Loan Approval
  • Minimal Paperwork 
  • The interest is only based on the amount of the loan that you use.
  • Secure a loan by pledging Demat shares, mutual fund units, life insurance plans, or government bonds issued by the Government of India (GOI).

Documents required

  • Identity proof (Aadhar card/Passport/PAN card/Voter ID/Driving License)
  • Recent Passport size photograph
  •  Address Proof(Aadhar card/Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/Trade license /Sales Tax certificate)
  • If you are a current customer, you must have a Demat account keeping document.
  • If you are a new customer, you must have the following documents:


What are the minimum and maximum amount of credit that a customer can obtain via Insta LAS?

The minimum amount is Rs.50000/- and the overall amount is Rs.20,00,000/-

Do I need to have a Demat Account with ICICI Bank to apply for Insta LAS?

Currently, the LAS facility is only open to a small group of “pre-qualified individual customers who have an NSDL Demat Account as well as a Chickly Bank Savings Account.