Tirumala Finance

Awesome Services

Loan Against Shares

A loan against shares enables you to borrow funds against listed securities such as shares, mutual funds, insurance and bonds to meet your current financial needs. You can opt for this loan when you need instant liquidity for your personal/business needs and you are sure to pay it back in few months. Loan against shares is the best way to sort your financial needs without liquidating your assets.

Loan Against Mutual Funds

Loan Against Mutual Funds offers customers the opportunity of receiving immediate liquidity against the mutual fund units they own. This is essentially an overdraft facility for short-term monetary requirements, with a relatively shorter tenure than other loans. You may take a loan against the mutual funds you own to earn immediate returns on it, as well as earn surplus reserves to invest elsewhere. To avail of a Loan Against Mutual Funds (LAMF), the borrower must request the Mutual Fund Registrar to mark a lien against the mutual fund units.

Loan Against Warehouse Receipt

A silent revolution is underway in Indian agriculture in the form of warehouse receipt finance. More and more farmers are using warehousing receipts as a tool to meet their working capital and consumption needs after the harvest season. Till recently, the focus of policy makers and lending institutions in India was to extend credit with an intention to boost farm productivity. Of late, the other leg, which is the post harvest credit needs of farmers, has started getting addressed. Since 2000, many emerging agri economies such as Brazil, Indonesia and Ukraine have adopted a warehouse receipts system successfully. While the practice of lending against warehouse receipts is not new to India, it received major impetus post the enactment of the Warehousing (Development and Regulation) Act of 2007, which came into force from 2010.

Loan Against IPO

This loan offers an opportunity to monetise your investments (listed equity shares, mutual fund units, structured notes, bonds, debentures and more) to raise capital for your personal /business financing needs. You don’t have to provide any additional security or collateral except the securities you are pledging! The best part? With the added advantage of quick processing and attractive interest rates you can acquire funds while still maintaining your carefully built portfolio.

Margin Funding

Our margin finance service provides investors with an opportunity to invest more than they could by using their own money and increase the potential returns. Margin Finance trading is granted against pre-approved list of securities, subject to predefined haircut for margin. Through margin finance facility, investors can raise finance to purchase additional securities without selling their long-term investments. Under this facility, the investors need to either pay a part of the total purchase value or pledge his existing approved securities as margin, while the balance purchase value is being funded by NBFC. Margin Financing is thus known as ‘gearing’ of the investment portfolio.

IPO Funding

IPO Funding enables you to borrow funds to apply for a higher number of shares in an Initial Public Offering (IPO) without fully blocking your own capital. It’s an ideal solution for investors looking to enhance their IPO allotment potential while maintaining liquidity. This is a smart and efficient way to participate in IPOs at scale without disturbing your current cash flow or liquidating existing assets.

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