# DhanLAP — Loan Against Securites

> Loan Against Securites (iPhone/iPad app by Ark Neo Financial Services Private Limited.)

- Source: https://appshunter.io/ios/app/dhanlap/id6446143330 (this page in markdown: same URL + `.md`)
- Developer: [Ark Neo Financial Services Private Limited](https://appshunter.io/developer/1676238960)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 62 MB
- Languages: American English
- Released: 2023-03-26
- Data updated: 2026-05-16
- User reviews in markdown: https://appshunter.io/ios/app/dhanlap/id6446143330/reviews.md

## What is DhanLAP?

Loan against Mutual Funds | All AMCs supported


Loan against Shares| Upto 500 Shares Eligible


Our NBFC Partner : IFIN SECURITIES FINANCE LIMITED (ISFL)

DhanLAP’s Loans help you borrow money for expenses during financial emergencies, for funding your education, for going on a vacation, or for other expenses such as a wedding in the family. You can avail yourself of loans at minimum interest rates for amounts starting from ₹25,000 and for tenures ranging between six months and 2 years.


DhanLAP Loan Process
1. KYC Verification.
2. Select your Mutual Funds/Shares to lien mark.
3. Check your instalments.
4. E-sign your Loan Agreement.
5. Amount disbursed to your bank account.

Maximum Annual Percentage Rate (APR): 10%

Loan Terms
-Loan to Value => 50% of Equity Portfolio
-Tenure => 6 Months to 24 Months
-Minimum Period => 6 Months
-Maximum Period => 24 Months
-Lowest Interest Rates
-No pre-payment/part payment charges or penalties after 6 months.
-Overdraft Facility - Pay only the interest for the money you withdraw.


Sample Loan Calculation (Illustration)
-Principal Amount  => ₹1,00,000
-Tenure  => 12 Months
-Instalment Amount:
-Balloon =>	Pay only Interest = ₹833.33. (The principal amount needs to be repaid at the end of the loan tenure)
-EMI	 =>	Principal + Interest = ₹8791.59.

Assume you are taking a loan of ₹1,00,000 for a tenure of 12 months, , you will only pay₹833.33/Month for 12 months and at the end of your tenure the principal if you choose our balloon payment option.

If you opt for a loan with our EMI payment option, for ₹1,00,000 with a tenure of 12 months, you will pay a monthly EMI of ₹8791.59/Month for 12 months.

DhanLAP powered by Ark Neo Financial Services Pvt Ltd is a Loan against securities platform. Founded by a team with over 100-man years of experience in building digital financial investment and loan solutions, we understand the common difficulties faced by investors when it comes to utilising their investments in case of an emergency.

We have made the entire process simple and hassle-free so that you can get the amount deposited in your account within 15 minutes safely.

Website: https://dhanlap.com/loan-against-mutual-funds
Privacy Policy: https://dhanlap.com/privacy
Terms and Conditions: https://dhanlap.com/terms


## Version history (last 5 releases)

### 0.4.05 — 2025-09-19

Features added

### 0.4.04 — 2025-09-16

Enhanced user experience

### 0.4.03 — 2025-09-02

Bug fixes

### 0.4.02 — 2025-08-27

Bug fixes

### 0.4.01 — 2025-08-22

Bug fixes

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-16.*