A listed-share portfolio can sometimes unlock short-term liquidity without selling long-term holdings. Loan Against Shares is usually structured against lender-approved securities held in demat form, with the sanctioned drawing power linked to market value, margin and lender policy.
This route needs a careful first read: which shares are accepted, how concentrated the portfolio is, whether the borrower can handle margin calls, and whether the money need is temporary enough for a market-linked facility.
Useful liquidity — as long as market movement is respected from day one.