Imagine this, you need Rs. 10 crores to act on a once-in-a-lifetime opportunity maybe it’s acquiring a prime asset, funding a major business expansion, or even managing a legacy obligation. But the last thing you want to do is sell off the equity portfolio or mutual funds you've patiently built over the years.
Here’s the smarter alternative, borrow against your investments instead of breaking them.
Loans against securities (LAS) allow you to unlock large-ticket funding without selling your shares, bonds, mutual funds, or insurance policies. And if you’re looking for a loan as high as Rs. 10 crores, this could be one of the fastest and most cost-effective routes to take.
Let’s explore how you can secure a Rs. 10 crore loan without losing your long-term wealth trajectory.
6 smart ways to get Rs. 10 crore loan without selling your investments
Here’s a snapshot of six high-value loan options where you can use your existing financial assets as collateral:
| Loan product | Interest rate | Tenure | Max loan value* |
| Loan Against Shares | 8% – 15% p.a. | Up to 36 months | Up to 50% of share value |
| Loan Against Mutual Funds | 8% – 15% p.a. | Up to 36 months | Up to 90% of NAV |
| Loan Against Insurance Policy | Up to 24% p.a. | Up to 96 months | Up to 90% of policy value |
| Loan Against Bonds | Up to 20% p.a. | Up to 36 months | Based on bond ratings |
| ESOP Financing | Up to 15% p.a. | Up to 36 months | Based on unvested/vested ESOPs |
*Subject to lender terms, asset type, and LTV norms.
Still deciding whether to part with a priced investment? Borrowing against it lets you access up to Rs. 10 crores, while your asset keeps growing. Apply now to get started
Why opt for a loan against securities for Rs. 10 crore?
Borrowing Rs. 10 crores through LAS offers several high-stake advantages for HNIs and large investors:
- No distress selling: You do not have to exit the market during a downturn or lose out on future gains. Your investments stay intact.
- Quick access to capital: Unlike traditional term loans, LAS can be disbursed quickly, sometimes within 48 hours of application.
- Lower interest rates: Since your investments act as collateral, you enjoy better rates than unsecured business or personal loans.
- Flexible usage: Whether you are funding a real estate deal, business buyout, or even setting up an international base—there are no restrictions on end-use.
- Seamless top-up and renewals: Need more than Rs. 10 crores? Once you have set up a LAS facility, getting additional funds can be much simpler.
Why sell assets to create liquidity when you can borrow against them, faster, cheaper, and without regret? Apply now
Real-world example
Ravi, a second-generation entrepreneur, needed Rs. 10 crore within 7 days to seize a distressed asset acquisition. Instead of approaching banks for a business loan, he pledged a mix of mutual fund holdings and listed shares worth Rs. 13 crore. The LAS was approved within 24 hours, with minimal paperwork and no disruption to his long-term wealth plan.
Result: Deal secured. Investments untouched. ROI intact.
When timing is critical, selling your securities can cost you more in lost potential. Loan against securities ensures you don’t pause wealth to pursue growth. Apply now
Eligibility criteria for a Rs. 10 crore loan
To avail of a large-ticket LAS, you will typically need to meet the following eligibility requirements:
- Age: 18 to 85 years (at loan maturity)
- Applicant Type: Resident Indian (individual, HUF, or company)
- Ownership of eligible assets: Must own approved securities (mutual funds, shares, bonds, etc.) in demat or statement format
- Credit profile: A healthy credit history helps but is not the sole criterion, since loan is secured
Tip: Higher the value and liquidity of your portfolio, the faster and smoother the loan approval process.
Documents required for a Rs. 10 crore loan
Here’s what you will need to furnish:
KYC documents:
- Aadhaar, PAN, passport, or driving license
Ownership proof of securities:
- Demat statement (for shares/bonds)
- Statement of account (for mutual funds)
- Insurance policy document (for LAIP)
Financial documents:
- Recent ITR or audited financials (for businesses)
- Salary slips or Form 16 (for individuals, if needed)
- Bank statements for the last 6 months
How to apply for a Rs. 10 crore loan?
The application process is simple and tailored for speed:
- Choose your collateral – Identify which securities you want to pledge
- Fill in the application – Do this online or at a branch
- Submit documents – Upload or share scanned copies
- Verification and approval – Quick checks by lender
- Disbursement – Funds are transferred to your account, often within 48 hours
Final thoughts
Whether you are a business owner, HNI, or investor managing multiple portfolios, a loan against securities worth Rs. 10 crore can offer the financial agility you need, without sacrificing your compounding growth story. Before liquidating your investments for liquidity, explore the LAS route. It's faster, smarter, and keeps your future wealth intact.
Think long-term. Borrow short-term. Your portfolio shouldn’t be the price you pay for opportunity. Apply now
Frequently asked questions
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