Rs. 1 crore Loan

Learn how to get a Rs. 1 crore loan with options like ESOP financing, loans against bonds, mutual funds, shares, insurance, and fixed deposits.
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3 mins read
15-May-2025

Getting a Rs. 1 crore loan can be a game-changer for businesses, high-net-worth individuals, and investors. Whether for expansion, investment, or liquidity needs, various financial products help you secure large-ticket loans. Loans against investments such as stocks, mutual funds, insurance policies, or fixed deposits offer a seamless way to leverage existing assets without selling them.

Understanding the options, eligibility criteria, required documents, and application process can simplify borrowing. This guide explores the best ways to get a Rs. 1 crore loan in India, eligibility conditions, and benefits.

6 ways to get 1 crore loans

Loan product Interest rate Loan tenure Details and application link
ESOP Financing up to 15% p.a. Up to 36 months Learn More & Apply for ESOP Financing
Loan Against Bonds Up to20% per annum Up to 36 months Learn More & Apply for Loan Against Bonds
Loan Against Insurance Policy Up to 24% p.a.(In case of lock-in policies, compounding interest will be chargedIn case of lock-in free policies, simple interest will be charged) Up to 96 months Learn More & Apply for Loan Against Insurance Policy
Loan Against Mutual Funds 8-15% per annum Up to 36 months Learn More & Apply for Loan Against Mutual Funds
Loan Against Shares 8-15% per annum Up to 36 months Learn More & Apply for Loan Against Shares
Loan Against Fixed Deposit 2% above FD rate 1 month to the tenure of deposit Learn More & Apply for Loan Against FD

 

Eligibility criteria for a Rs. 1 crore loan

To qualify for a Rs. 1 crore loan, applicants must meet eligibility and conditions as required for the loan variant . The following may or may not include all of them-

  • Age: 18 to 65 years
  • Income: Stable income source from salary, business, or investments
  • Employment status: Salaried or self-employed professionals/business owners
  • Asset ownership: Existing investments in bonds, shares, FDs, or insurance

Lenders may have additional criteria depending on the loan type and security offered. This is based on Bajaj Finance loan against securities.

Documents required for Rs. 1 crore loan

Applying for a high-value loan requires specific documents. These generally differ by loan variant and:

Official Valid Documents (OVDs) for KYC:

  • Identity proof: Aadhaar, PAN, Passport, Driving license or Voter ID
  • Address proof: Utility bills, Passport, Driving license or Aadhaar card

Other documents:

  • Income proof: Salary slips, IT returns, or business financial statements
  • Bank statements: Last six months’ statements
  • Investment proof: Ownership documents for shares, bonds, mutual funds, or insurance policies
  • Loan application form: Completed and signed form as per lender’s requirement

Additional documents may be needed based on the type of loan applied for.

Loan Against Shares
Loan Against Mutual Funds

How to apply for a Rs. 1 crore loan

Follow these steps to apply for a high-value loan:

  1. Choose a suitable loan type – Compare ESOP financing, loans against bonds, shares, or FDs to find the right option.
  2. Check eligibility criteria – Ensure you meet the lender’s requirements, including credit score and asset ownership.
  3. Gather necessary documents – Keep ID proof, income proof, and investment details ready for faster processing.
  4. Apply online or offline – Visit the lender’s website or branch to submit your loan application.
  5. Get loan approval – The lender will verify documents, check credit history, and approve the loan if all conditions are met.
  6. Disbursement – Once approved, funds are transferred to your bank account within a few days.

Benefits of Rs. 1 crore loans against investments

Taking a Rs. 1 crore loan against investments offers several advantages:

  • Retain ownership: Continue earning returns on your investments while using them as collateral.
  • Lower interest rates: Secured loans have lower rates than unsecured loans.
  • Quick processing: Faster approval and disbursal due to asset-backed security.
  • No end-use restriction: Use the funds for business expansion, investment, or personal needs.
  • Higher loan amounts: Large ticket sizes available based on asset value.
  • Loan to value (LTV): Loan-to-value (LTV) determines how much loan you can get based on the asset you pledge. You can get a loan of up to 50% against your shares.

This makes loans against investments an efficient way to raise funds without liquidating assets.

Rs. 1 crore loan EMI

Loan type Loan amount Interest rate Tenure (Months)
ESOP Financing 1 crore up to 15% p.a. Up to 36 months
Loan Against Bonds 1 crore Up to20% per annum Up to 36 months
Loan Against Insurance Policy 1 crore Up to 24% p.a.(In case of lock-in policies, compounding interest will be chargedIn case of lock-in free policies, simple interest will be charged) Up to 96 months
Loan Against Mutual Funds 1 crore 8-15% per annum Up to 36 months
Loan Against Shares 1 crore 8-15% per annum Up to 36 months



Loan EMIs may vary based on tenure, interest rate fluctuations, and lender policies.

Conclusion

A Rs. 1 crore loan is accessible through various financial products, especially loans against investments. Borrowers can leverage their existing assets like ESOPs, bonds, mutual funds, and fixed deposits to secure funds at competitive interest rates. With quick processing and minimal documentation, these loans offer flexibility without requiring asset liquidation.

Before applying, it’s essential to compare options, check eligibility, and understand repayment obligations. Choose a reputable lender, ensure a strong credit profile, and have all necessary documents ready for a smooth loan application process.

Explore Loan Against securities by Bajaj Finance Limited.

Frequently asked questions

How to get a 1 crore Loan immediately?
To get a Rs. 1 crore loan quickly, apply for a loan against investments like shares, bonds, or fixed deposits. Ensure you meet the lender’s eligibility criteria, have a good credit score, and submit all required documents for fast approval and disbursal.

What is the minimum salary for a 1 crore loan?
There is no minimum salary required for taking a loan against your investments. However, you will require investments which are approved by your lender to avail the loan.

What is the interest rate for a 1 crore Loan per month?
The monthly interest rate for a Rs. 1 crore loan varies based on the lender, loan type, and borrower profile. Generally, secured loans have lower rates, starting from 8% to 15% annually depending on the loan variant

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