A Loan Against Shares (LAS) functions as a secured credit facility where an investor uses their stock holdings as collateral to secure funding from a financial institution. The total amount you can borrow is determined by the current market price of the stocks and the specific loan-to-value (LTV) ratio set by the lender. Typically, banks provide funding up to 50% of the total share value, depending on individual caps. Throughout the loan term, your shares stay invested, and they are returned to your account once the entire debt is settled.

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