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OptimizeLoan
India's Smart Loan Simulator

Borrow without selling your investments.

Compare a traditional high-cost Personal Loan with an asset-backed Loan Against Securities (LAS) to see how much interest and compounding you save.

✓ Retain Portfolio Growth
✓ 9% - 11% Typical LAS Rates
✓ Monthly Interest-Only Option
Calculate My Savings ↓

OptimizeLoan is an educational comparison calculator and does not offer financial or lending advice.

Interactive Loan & Savings Simulator

Select your pledgeable collateral, adjust portfolio value, loan amount, and tenure to compute real-time savings.

Pledgeable investments regulate maximum allowable credit limit

Illustrative LTV: 50%

Total value of your eligible pledged investments

₹5,00,0005 Lakh
Min: ₹50,000
Max: 50 Lakh

Borrow up to the maximum permitted collateral limit

₹2,50,000100% of max limit
Min: ₹10,000
Max: 2.50 Lakh

Duration over which interest and repayments are compared

24 Months2.0 Years
3 Months
36 Months
⚙️ Customize Interest Rates(PL: 15% | LAS: 10%)
▼
5% - 30%
%
5% - 25%
%
⚡ Comparative Savings Analysis

Choose How You Want To Compare

Estimated Total Interest Saved (Apples-to-Apples Reducing Balance)

₹14,050

You save 34% of finance charges because Loan Against Securities offers significantly lower interest rates than unsecured personal loans on an identical repayment schedule.

Personal Loan Interest₹40,920At higher unsecured rate
LAS Total Interest₹26,870Lower rate, reducing balance
Retained Portfolio Growth+₹63,600Estimated wealth if left invested

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Check instant eligibility with our regulated lending partner. Zero credit card or Demat login needed.

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Detailed Cost & Cashflow Comparison

Showing Equal EMI comparison (both loans amortized monthly over the same tenure).

Unsecured Loan15% p.a.

Personal Loan

Standard amortizing monthly EMI loan

Monthly Outflow (EMI)₹12,122Mandatory principal + interest blended
Total Interest Cost₹40,920
Total Repayment₹2,90,920
Collateral RequiredNone (Higher interest rate)
Heavy monthly cash obligation. Requires monthly principal deduction.
Asset-Backed Credit10% p.a.

Loan Against Securities (LAS)

Equal monthly amortization at lower rate

Monthly Outflow (EMI)₹11,536Reducing balance amortization at lower interest rate
Total Interest Cost₹26,870
Total Cost (Principal + Interest)₹2,76,870
Principal RepaymentAmortized monthly with EMI
Securities stay in your demat account and continue earning dividends and market growth.

🛡️ Investment Growth & Market Stress Test

Evaluate opportunity cost and market volatility safety.

📈 Keep Your Investments Working

Unlike liquidating securities, LAS lets your existing assets continue compounding.

Expected Return:
Initial Portfolio₹5,00,000
Value After 2.0 Years (12% p.a.)₹6,27,200
Estimated Wealth Compounded+₹1,27,200

*Illustrative projection assuming constant annual compounding. Equity markets fluctuate; actual returns can be higher, lower, or negative.

🛡️ Market Stress Test & Volatility Buffer

Simulate portfolio decline to understand margin call risks and loan health.

Moderate LTV Elevation
Simulate Market Correction:-20%
0% (No fall)-15% (Typical dip)-30% (Bear market)-50% (Crash)
Value After Decline₹4,00,000
New Effective LTV62.5%
Collateral Buffer Left₹1,50,000

In the event of severe market drops, lenders may require pledging additional collateral or paying down partial principal if LTV exceeds regulatory thresholds (typically 75%-80%).