Rs. 100 Crore Loan

What if your portfolio could get you Rs. 100 crore loan in just 48 hours? It might sound far-fetched, but for high-value investors sitting on sizable equity, debt, or hybrid portfolios, this is very much within reach. A loan against securities is one of the most under-leveraged financial tools among India’s wealthiest investors and yet, it offers one of the fastest, most cost-effective routes to urgent capital.

Whether you are planning an international acquisition, need urgent bridge financing, or want to act on a time-sensitive investment opportunity, liquidating your portfolio may not always be the smartest move.

Here’s the better option: Use your assets, don’t lose them.

While others move slowly through deal approvals, you could already have Rs. 100 crore in your bank by just pledging what you already own. Act fast. Start your application for a Rs. 100 crore loan now

Why choose a Rs. 100 crore loan against securities?

You retain ownership of your investments

When you pledge shares, bonds, mutual funds, or insurance policies, you continue to own them, even as you raise liquidity against their market value.

• No need to sell during market dips
• No long-term tax liabilities due to premature exits
• You continue to earn dividends or returns

You get liquidity at a lower cost

Unsecured loans or private funding at this ticket size often come with inflated interest rates and cumbersome clauses. But LAS offers:

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• Interest rates starting at 8% p.a.
• High LTV (Loan to Value) ratios – up to 90% for certain securities

Who typically goes for a Rs. 100 crore LAS?

This financial product is ideal for:

• Promoters needing strategic capital
• Founders executing a buyback
• Real estate investors bridging a property deal
• Family offices diversifying into new ventures
• HNIs pursuing cross-border investments
• UHNIs needing working capital for asset-rich businesses

Types of securities you can pledge for a Rs. 100 crore loan

You are not limited to just shares. Multiple financial instruments can be pledged:

Loan against shares

Perfect for equity-heavy portfolios. Instant approvals with high LTV.

Loan against mutual funds

Debt and equity MF units are eligible. LTV and interest rate may vary.

Loan against bonds

Ideal for those holding government securities, debentures, or corporate bonds.

Loan against insurance policies

Endowment and ULIP policies (with NAV transparency) can also be pledged.

ESOP financing

If you’re a senior executive with upcoming ESOPs, these can be monetised smartly.

Interest rates for LAS variants

Loan type	Interest rate (p.a.)	Tenure
Loan against shares	8% – 15% p.a.	Up to 36 months
Loan against mutual funds	8% – 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.	Up to 96 months
ESOP financing	Up to 15% p.a.	Up to 36 months

Still deciding whether to part with a priced investment? Borrowing against it lets you access up to Rs. 100 crores, while your asset keeps growing. Apply now to get started

Did you know? A Rs. 100 crore LAS can be approved in just 24 to 48 hours, provided your portfolio is eligible and documents are in place.

What is the eligibility for a Rs. 100 crore loan?

Lenders offering such high-value LAS deals assess the following:

Eligibility checklist

• You must be an Indian resident (individual or entity)
• You should own listed or eligible securities with adequate market value
• Clean credit history
• Stable income or verifiable repayment capacity

What documents are needed?

For LAS loans of this magnitude, documents vary based on the security pledged and the profile. Common documents include:

• KYC documents (Aadhaar, PAN, passport)
• Demat account statement
• Portfolio valuation report
• Income documents (ITR, bank statements)
• Board resolution (in case of companies)

Step-by-step process to apply for a Rs. 100 crore loan

1. Shortlist the LAS variant (e.g., shares, bonds, insurance)
2. Check LTV eligibility and valuation
3. Submit KYC, income, and security ownership docs
4. Lender processes and verifies documents
5. Loan is sanctioned and disbursed within 24–48 hours

In the time it takes to close a single funding round, your LAS could be sanctioned. Start the process today. Apply now

Real-life example

A real estate developer in Mumbai needed Rs. 100 crore to bid for a land parcel, with only 10 days to furnish proof of funds. Instead of taking bridge loans at 18–20%, they pledged a mix of blue-chip stocks and corporate bonds to get the LAS at 9.5%.

• No sale of equity
• Approval in 48 hours
• Full control over funds and repayment

Why a LAS makes sense for Rs. 100 crore borrowers?

Unlike unsecured loans or equity dilution, LAS keeps you in control. You avoid:

• Shareholder dilution
• High-cost funding
• Delays in execution
• Premature exits from compounding assets

And you gain:

• Speed
• Cost-efficiency
• Full asset ownership

Final thoughts

A Rs. 100 crore loan through LAS can be a game-changing move, especially when the alternative is liquidating a long-built portfolio or opting for high-cost, low-flexibility unsecured options. Whether it’s a time-sensitive investment or a long-term strategic move, the ability to mobilize funds within days—without losing your assets—makes LAS an essential financial tool for the savvy borrower.

Every day of delay could cost you crores in opportunity. Take control. Begin your Rs. 100 crore loan journey. Apply now