LOS - Loan Against Securities

Pledge Smarter.
Disburse Faster.

UltraBanker’s LAS-LOS is purpose-built for NBFCs offering loans against mutual funds, listed equities, bonds, and insurance policies. Automate pledge creation, real-time collateral monitoring, and margin call workflows – all under one AI-powered platform.

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hrs
Average time from application to pledge creation
%
Collateral valuation accuracy via live market feeds
Paper
100% digital pledge & documentation workflow
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Faster credit officer decisioning with AI pre-screening

Why NBFCs Struggle with LAS Today

Most NBFCs running Loan Against Securities rely on spreadsheets for collateral tracking, manual processes for pledge creation with depositories, and reactive approaches to margin calls. The result: delayed disbursals, compliance gaps, and undetected collateral erosion. UltraBanker’s LAS-LOS eliminates every one of these pain points – automatically.

Core Features

Everything Your LAS Operations Need

A fully integrated origination system purpose-designed for pledge-based lending across equity, debt, and hybrid securities.

01
Digital Pledge Creation
Digital Pledge Creation
Seamless integration with CDSL/NSDL for pledge marking. Auto-generate pledge instruction files with DP-ready formats, eliminating manual coordination with depositories.
02
Live Collateral Valuation Engine
Live Collateral Valuation Engine
Real-time LTV monitoring using live NSE/BSE feeds and NAV data from AMCs. Automatic haircut application based on asset class, liquidity, and your NBFC's credit policy.
03
Automated Margin Call Workflow
Automated Margin Call Workflow
AI detects LTV breaches and auto-triggers margin call notices via WhatsApp, SMS, and email. Configurable escalation matrices with grace periods and top-up tracking.
04
Multi-Asset Class Support
Multi-Asset Class Support
Supports MF units, listed equities, corporate bonds, government securities, insurance surrender value, and fixed deposits - within a single origination workflow.
05
AI-Powered Pre-Screening
AI-Powered Pre-Screening
Instant eligibility check using portfolio composition, concentration risk, and borrower bureau data. AI flags high-risk pledges before reaching the credit officer's desk.
06
Automated Documentation Suite
Automated Documentation Suite
Auto-generate loan agreements, pledge letters, hypothecation deeds, and sanction letters in your NBFC's branded format - with e-sign integration via Aadhaar OTP.
07
Bureau & KYC Integration
Bureau & KYC Integration
One-click CIBIL, Experian, CRIF pulls. Aadhaar/PAN e-KYC via DigiLocker and UIDAI - no manual document handling at any stage of the journey.
08
Compliance-First Workflows
Compliance-First Workflows
Built-in RBI Fair Practice Code compliance, pledgor consent workflows, and audit trails for every collateral and credit decision - ready for any regulatory inspection.
09
LAS Portfolio Dashboard
LAS Portfolio Dashboard
Real-time portfolio view: total pledge value, LTV distribution, margin call queue, concentration by scrip/AMC, and upcoming pledge renewal calendar.
How It Works

From Application to Pledge in 4 Hours

A structured, fully digital origination journey that eliminates delays at every step.
Customer Applies
Customer Applies

Web portal or mobile app - borrower selects securities, submits KYC, and links demat account

AI Pre-Screens
AI Pre-Screens

Live portfolio valuation, bureau check, eligibility computation, and risk flag generation in seconds

Credit Review
Credit Review

Officer reviews AI-generated CAM with LTV, concentration analysis, and decisioning recommendation

Pledge Created
Pledge Created

Auto-generated pledge instructions sent to CDSL/NSDL. Borrower confirms via depository OTP flow

Disbursement
Disbursement

Sanction letter e-signed, agreement executed, and funds transferred - fully digital, zero paper

🎯 Why NBFCs Choose UltraBanker LAS-LOS

Built for NBFC Growth & Compliance

Every feature is designed around the operational realities of Indian NBFCs – from small-ticket MF-backed lending to large-ticket equity pledge lines.

Go Live in 3 Weeks

Pre-configured for Indian lending norms. No 6-month implementation. Our deployment team configures credit policy, LTV matrix, and integrations - you go live fast.

Reduce Disbursal TAT by 70%

Automated KYC, bureau pull, and pledge creation reduce 7-day manual processes to under 4 hours - giving your borrowers an instant-feel LAS experience.

Full RBI & SEBI Compliance Baked In

Pledge workflow, Fair Practice Code documentation, and audit trails are built to SEBI pledge-versus-lien norms and RBI credit policy guidelines - out of the box.

Eliminate Collateral Risk Blind Spots

Daily portfolio re-valuation and automated margin call alerts ensure you never face a sudden LTV breach. Act before the market moves against you.

Scale Without Adding Headcount

Handle 10x loan volume growth with the same credit team. AI automates pre-screening, document validation, and margin monitoring - your team focuses on exceptions only.

Real-Time Portfolio Intelligence

Know your total pledge AUM, at-risk accounts, and LTV distribution at any moment - not at month-end. Make proactive credit decisions backed by live data.

Integration Ecosystem

Pre-Connected to India's Financial Stack

No custom development needed. UltraBanker LAS-LOS ships with pre-built connectors for every critical service in the Indian securities lending ecosystem.

Bank Tags

Ready to Launch Your LAS Business?

Join NBFCs who have cut their LAS disbursal time by 70% and eliminated margin call misses with UltraBanker LAS-LOS.

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