Create rbi-move-could-make-las-more-popular.md

Author: Shruthi1204

content/blog/rbi-move-could-make-las-more-popular.md

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+---
+date: '2025-10-02'
+title: RBI move could make LAS more popular
+tags: [zerodh,products]
+author: nithin
+link: https://x.com/Nithin0dha/status/1973661706070147274
+post_type: tweet
+description: LAS is ideal for those...
+
+---
+One good change from RBI yesterday: banks can now lend up to ₹1 crore against shares, up from the earlier ₹20 lakhs. Hopefully, this makes loan against securities (LAS) more popular.
+
+It’s ridiculous how many people holding stocks continue taking personal loans or using credit cards at much higher rates—credit cards can go up to 40%+. Even at [Zerodha Capital](https://zerodhacapital.com/), we see this constantly. People just aren’t aware they can replace high-interest debt with LAS, which is one reason our book is still only ₹450 crores.
+
+LAS is ideal for those new to credit or with poor credit scores to build their credit history, but again, awareness is terrible.