Looking to raise Rs. 1 crore without selling your investments? Whether you are a business owner expanding operations, an investor seizing a market opportunity, or someone needing quick liquidity, large-ticket loans can be a smart move. Loans against investments such as shares, mutual funds, insurance policies, or bonds, let you unlock value without giving up ownership. You keep your assets and still get the funds you need.
Leverage your shares, bonds, or mutual funds to access loan against securities of Rs. 1 crore at competitive rates. Apply now
6 ways to get 1 crore loans
Discover multiple financing options to unlock large-ticket funds without selling your investments.
Loan product |
Interest rate |
Loan tenure |
ESOP Financing |
Up to 15% p.a. |
Up to 36 months |
Loan Against Bonds |
8–15% p.a. |
Up to 36 months |
Loan Against Insurance Policy |
Up to 24% p.a. (Lock-in policies: compounding interest; Lock-in-free policies: simple interest) |
Up to 96 months |
Loan Against Mutual Funds |
8–15% p.a. |
Up to 36 months |
Loan Against Shares |
8–15% p.a. |
Up to 36 months |
From shares to ESOPs, pick the loan type that best matches your asset and get approvals in just 24 to 48 hours*.
Eligibility criteria for a Rs. 1 crore loan
Understand the key requirements to qualify for high-value loans against your investments. Securing a Rs. 1 crore loan against your investments requires meeting certain basic conditions that help the lender assess your repayment capacity and the quality of the security offered. These criteria may vary slightly depending on the type of security you pledge—whether shares, mutual funds, bonds, or insurance policies. Meeting these requirements improves your chances of quick approval.
Key eligibility points:
Age: Applicants should generally be between 18 and 90 years at the time of loan maturity.
Income: A stable income source from salary, business, or investments is important to demonstrate repayment ability.
Employment: Both salaried individuals and self-employed professionals or business owners are eligible.
Assets: You must own eligible market-linked securities such as listed shares, approved mutual funds, corporate bonds, or insurance policies with a surrender value.
Credit profile: A healthy credit score and clean repayment history strengthen eligibility.
In addition to these, lenders may have specific requirements based on the type of security pledged and the loan amount requested—such as minimum market value of shares or units, or specific policy terms for insurance-based loans.
With the right investments, you can unlock up to Rs. 1 crore without breaking your portfolio. Explore now
Documents required for Rs. 1 crore loan
Applying for a high-value loan against investments requires submitting a set of documents that confirm your identity, address, income, and ownership of the pledged assets. While the exact list can vary depending on the loan type, keeping these ready in advance can help speed up approval.
Common requirements include:
Identity proof: Aadhaar card, PAN card, passport, driving license, or voter ID.
Address proof: Recent utility bill, passport, driving license, or Aadhaar card.
Income proof: Latest salary slips, income tax returns, or audited business financial statements.
Bank statements: Typically for the last six months to verify cash flow.
Investment proof: Portfolio statements or ownership documents for shares, bonds, mutual funds, or insurance policies.
Loan application form: Duly filled and signed.
Depending on the type of security, lenders may also request additional documents such as Demat account statements, pledge request forms, or business registration certificates for self-employed applicants.
