Best Loan Against Security Software in Tamil Nadu

Demat Share & Mutual Fund Pledge APIs

Seamless integration with NSDL and CDSL depositories for digital OTP-based share pledge marking. Online lien marking with Registrar and Transfer Agents (RTAs) CAMS & KFintech for equity and debt mutual fund folios.

• NSDL & CDSL instant e-Pledge OTP authorization
• CAMS & KFintech mutual fund online lien creation
• Automated unpledge request processing upon loan closure

Live MTM Valuation & Haircut Risk Engine

Fetch live daily stock market closing prices (NSE & BSE) and NAV values. Configure custom volatility haircuts (e.g. 50% for Group A shares, 35% for Mutual Funds, 15% for SGBs) and enforce RBI maximum 50% LTV ratio caps.

• Automated daily Mark-to-Market (MTM) revaluation
• Approved security master list with category haircuts
• Real-time collateral value vs outstanding balance tracker

Overdraft (OD) Line & Flexible Disbursement

Sanction revolving Overdraft (OD) credit limits against pledged securities. Interest is calculated strictly on daily utilized balances. Instant direct bank account transfer via NEFT / RTGS / IMPS and UPI payment links.

• Revolving Overdraft limit management portal
• Daily utilization-based interest calculation engine
• Instant credit disbursal to borrower bank accounts

Margin Call Alerts & Auto-Liquidation Engine

Multi-stage automated alert system when market drops trigger margin breaches (Soft Margin Call, Hard Warning, Liquidation Trigger). Automatic dispatch of Tamil & English WhatsApp alerts, email notices, and automated sell orders.

• Automated WhatsApp & SMS margin call notifications
• Top-Up cash or additional security pledge portal
• Automatic sell order generation on broking terminals upon breach

Multi-Security Collateral Portfolio Master

Support pledge against a wide variety of financial assets: Demat Shares, Equity Mutual Funds, Debt Mutual Funds, Sovereign Gold Bonds (SGB), LIC Insurance Policies, Kisan Vikas Patra (KVP), and Bank Fixed Deposits (FDR).

• Pledge management for Shares, MFs, SGBs & FDs
• LIC policy assignment & surrender value calculator
• Unified collateral vault dashboard across all asset types

RBI Compliance, CKYC & Integrated Ledger

Built-in compliance for RBI LAS guidelines, SEBI pledge/re-pledge framework, Income Tax Section 269ST cash rules, Aadhaar e-KYC, CKYC batch uploads, and complete double-entry financial accounting ledger.

• SEBI & RBI LAS regulatory compliance engine
• Aadhaar OTP & PAN e-KYC instant verification
• Integrated Day Book, Cash Book, Trial Balance & Profit/Loss

Serving Securities Lenders Across All 38 Districts of Tamil Nadu

Whether catering to retail stock traders in urban centers or business investors in regional industrial hubs, AMY Fintech delivers enterprise Loan Against Security software.

Watch AMY Fintech LAS Software in Action

Discover how our software automates demat share pledge marking, real-time MTM price updates, margin calls, and instant OD line disbursal.

⚡ Instant 5-Minute Disbursal

Digital NSDL/CDSL e-Pledge OTP authorization allows instant Overdraft limit activation without physical paperwork.

🛡️ Real-Time Risk Protection

Continuous MTM stock revaluation, category haircuts, automated WhatsApp margin alerts, and instant liquidation triggers.

📱 Multi-Asset Vault Master

Single platform to pledge Shares, Mutual Funds, Sovereign Gold Bonds (SGB), LIC Policies, and Bank Fixed Deposits.

🔒 100% RBI & SEBI Compliant

Strict compliance with SEBI pledge/re-pledge circulars, RBI 50% LTV capping, CKYC uploads, and integrated accounting ledger.

Q1: How does digital share pledge marking work via NSDL and CDSL?

Our software integrates directly with NSDL and CDSL depository APIs. When a borrower selects securities to pledge, an automated OTP request is sent to their registered mobile number. Upon entering the OTP, the shares are marked with a pledge in favor of your institution instantly without any physical DRF forms.

Q2: How are stock haircuts and LTV limits managed in the software?

The system maintains a master list of approved securities categorized by risk profile (Group A, Group B stocks, Mutual Funds). It automatically applies configured haircuts (e.g. 50% haircut on volatile stocks = 50% LTV) against live NSE/BSE stock market feeds to determine maximum borrowing limits.

Q3: What happens when market prices fall and a margin call is triggered?

During market hours, the MTM engine monitors portfolio values. If a stock crash causes the loan value to exceed permitted LTV thresholds, the system dispatches automated Tamil & English WhatsApp alerts, SMS notifications, and emails to the borrower asking for cash top-up or additional share pledge. If unfulfilled, it triggers automated sell order liquidations.

Q4: Can we pledge mutual funds, Sovereign Gold Bonds (SGB), and Bank FDs?

Yes! AMY Fintech supports multi-asset pledging. It connects with CAMS and KFintech for mutual fund online lien creation, integrates with RBI SGB portal formats, and manages physical or electronic Fixed Deposit Receipts (FDR) with automated bank lien letters.

Q5: How can we schedule a live demo or test LAS API integrations?

You can request a free live demo by calling +91 7339446882 or messaging us on WhatsApp. Our technical team will demonstrate live NSDL/CDSL e-Pledge workflows, MTM risk engines, and sandbox API environments.