LAS is one of the highest-margin retail products but the lowest-volume — banks that have it usually struggle to find customers, and customers who'd benefit often don't know it exists. The leads here are bankers' own clients who turned down a personal loan because they wanted to keep their investments intact. Expect HNI and self-employed customers, typically ₹10L–₹2Cr deal sizes, with the underlying security already known. The product is rate-sensitive: claimers usually win on rate and processing speed, since the collateral is liquid and the credit assessment is trivial.