₹10,000 - ₹25 Cr
Loan of up to 80% of policy value| Funding against policies under lock-in period
Overview
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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:
- 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
How to Secure a Rs. 2 Crore Loan Against Securities Instantly
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?
How to apply for Bajaj Finance loan against shares
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
Features & Benefits for Bajaj Finance loan against shares
- Shortlist the LAS variant (e.g., shares, bonds, insurance)
- Check LTV eligibility and valuation
- Submit KYC, income, and security ownership docs
- Lender processes and verifies documents
- 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?
Eligibility criteria for Bajaj Finance loan against shares
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
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Frequently asked questions
General
How to get a Rs. 100 crore Loan immediately?
To obtain a Rs. 100 crore loan promptly, approach lenders offering high-value loans, such as home loans or loans against property. Ensure you meet their eligibility criteria and possess the necessary documentation for swift processing.
What is the minimum salary for a Rs. 100 crore loan?
There is no minimum salary requirement to avail of a Rs. 100 crore loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies—approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.
What is the interest rate for a 100 crore Loan per month?
Interest rates for high-value loans vary based on the lender, loan type, and borrower's creditworthiness. Business loans can have interest rates ranging from 13% to 24% per annum.
What is the maximum LTV I can get on a ₹100 crore loan against securities?
The maximum LTV depends on the pledged asset: equity shares may offer up to 50%, while eligible debt mutual funds and insurance policies may offer up to 80%.
What happens if the value of my pledged securities falls?
If the pledged securities fall below the permitted LTV level, the lender may request additional collateral or partial repayment. Failure to meet the requirement may result in the forced sale of pledged securities.
Can I pledge securities owned by a family member for a ₹100 crore loan?
Yes, in certain cases, a family member’s securities may be pledged if the relative is at least 18 years old and joins as a co-applicant or guarantor, subject to Bajaj Finance approval.
How is interest calculated on a loan against securities?
Interest is generally charged only on the amount utilised under an overdraft limit, calculated on the daily outstanding balance and debited monthly. For example, using ₹10 crore from a ₹100 crore limit attracts interest only on ₹10 crore.
Can I prepay or foreclose a ₹100 crore loan against securities?
Yes, prepayment or foreclosure is generally allowed, subject to the lender’s applicable terms. HDFC Bank states that it charges no such fees for LAS; verify Bajaj Finance terms before proceeding.
Disclaimer
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