Terkar Global Financial Development Pvt. Ltd.
The Execution Blueprint: Step-by-Step Portfolio Monetization
Understanding exactly how loan against securities works is vital for promoters and corporate treasuries looking to raise immediate cash runways without forcing an asset liquidation. Our division has re-engineered this process into a paperless, friction-free framework that transitions your dormant secondary market assets into an active overdraft line in a matter of hours.
The 5-Step Technical Execution Workflow
Our institutional syndication pipeline moves systematically through five strict compliance and underwriting checkpoints:
1. Assessment and Asset Classification:
We extract your dynamic demat or electronic holding statements. Pledged instruments are matched against our institutional lenders' approved master lists, categorizing them into risk-adjusted buckets (Category A, B, or C listed stocks, mutual funds, or sovereign paper).
2. Determination of Loan-to-Value (LTV):
Real-time asset haircuts are applied based strictly on asset class volatility. This ranges from a conservative 35% for mid-cap scripts up to 95% for top-tier bank fixed deposits.
3. Calculation of Eligible Credit Limits:
The total eligible credit limit is established by multiplying the real-time market value of the securities by the approved LTV percentages.
4. Assessment of Interest-Paying Capacity:
Our desk evaluates your corporate cash flows and repayment capacities under structured financial institution norms to map out an optimal repayment architecture.
5. Digital Lien Marking and Same-Day Disbursement:
Assets are digitally pledged via secure OTP confirmation through central depositories (NSDL/CDSL) or mutual fund registrars (CAMS/Karvy). Once documentation is complete, the entire credit line is activated for same-day disbursement.
Core Operational Parameters: Website Benchmarks vs. Deal Execution
While our online portal optimizes limits up to maximum institutional capacities, large-ticket transactions (from ₹50 Crore to ₹100 Crore) adjust parameters based on specific term sheets.
Operational Phase | General Portal Benchmark | "LAS Proposal - Indicative Term Sheet.pdf" Structure |
|---|---|---|
Credit Mechanism | Perpetual Revolving Overdraft Line | Loan Against Security (LAS) - Overdraft (OD) Facility |
Transaction Value | Scalable Portfolio Limits | ₹50 Crore to ₹100 Crore |
Facility Tenure | Continuous / Perpetual Structures | 1 to 3 Years |
Repayment Rules | Pay-as-you-use revolving interest | Lump sum principal repayment at end of tenure |
Disbursement Lock | Within 24 Hours | Same-day disbursement (post-due diligence) |