💻 Comparing Top Digital LAS Platforms & Fintech Offerings

Summary: Fintech has transformed LAS. Platforms like Jio Finance, INDmoney, and traditional banks now let you pledge online in minutes. Here’s how they stack up on LTV, rates, speed, UX, and security.

1. LTV & Collateral Coverage

Jio Finance: 60% LTV on equity ETFs, 75% on debt funds.¹
INDmoney: Flat 50% LTV on all eligible assets.²
Bajaj Finserv: 50–70% LTV by asset class.³

2. Disbursal Speed

• Jio Finance: Under 2 hrs via fully digital e-pledge.
• IndiaBulls: ~24 hrs with minimal branch KYC.⁴
• HDFC Bank: 2–3 business days for traditional process.⁵

3. Interest Rates & Fees

The range spans 9.0%–11.5% p.a. with 0.5%–1% processing fees.⁶

4. User Experience

• Jio & INDmoney: Fully in-app, real-time quotes.
• Bajaj: Hybrid digital + branch minimal.
• Banks: Portal + branch for KYC, integrated in banking app.

5. Security & Compliance

CDSL/CAMS lien marking & RBI-approved escrow accounts across all major platforms.⁷

References

1. Jio Finance – LAS Details
2. INDmoney – Pledge & Borrow
3. Bajaj Finserv – Product Overview
4. IndiaBulls Finance – LAS Service
5. HDFC Bank – Overdraft Guide
6. Moneycontrol – Fintech Lending Trends
7. RBI Circular – e-Sign & Escrow