Rs. 11 lakh Loan

Need a sizeable amount fast but don’t want to break your investments? Whether it’s for medical needs, business requirements, or personal expenses, a Rs. 11 lakh loan against securities lets you unlock liquidity without exiting your mutual funds, shares, insurance policies, ESOPs, or bonds. Here’s how you can use your investments to raise Rs. 11 lakhs quickly and smartly.

Did you know? You can raise Rs. 11 lakhs in just 24–48 hours* by pledging your existing investments, without selling a single asset.

What is a loan against securities?

A secured loan where you borrow by pledging your investments like mutual funds, shares, or insurance policies without selling them. Here’s how it works and why it makes sense:

• No need to liquidate: You don’t have to sell your assets. Your investments remain intact and continue to earn returns while you access cash.
• Accepted securities: Most lenders accept mutual funds, listed shares, life insurance policies (with surrender value), ESOPs, and bonds for LAS.
• Quick access to funds: Because you’re offering collateral, lenders process your application quickly often within 24–48 hours*.
• Minimal documentation: Most LAS journeys are paperless. You can complete the application and verification process entirely online.
• Flexible end use: There are no restrictions on how you use the loan amount. Pay for medical expenses, higher education, home renovation, business cash flow, or even emergency travel.
• Keep long-term goals intact: Unlike selling your assets prematurely (and potentially incurring capital gains tax or exit charges), a LAS allows you to stay invested and benefit from market growth.
• No income proof required: For many LAS variants, your investments speak for your financial strength no salary slips, or IT returns needed.

Use case example: If your mutual fund portfolio is worth Rs. 15 lakhs, you can borrow up to Rs. 11 lakhs (depending on LTV), without disturbing the investment itself.

Why sell your investments when you can borrow against them at lower rates and keep them growing? Apply for a loan against securities

Why not opt for unsecured loans?

While unsecured loans are popular for quick funding, they often come with limitations that can affect your financial flexibility and cost you more in the long run. Since they are not backed by any collateral, lenders treat them as high-risk, which leads to stricter approval conditions and higher borrowing costs. Here’s why unsecured loans may not be the best choice when compared to a Loan Against Securities (LAS):

• Interest rates are higher: Unsecured loan interest typically have higher interest rate ranges, which is much higher than LAS.
• More documentation: You will need to submit salary slips, IT returns, bank statements, and sometimes even employer verification.
• Longer approval time: Processing and verification can take several working days, especially if documents are incomplete or need clarification.
• Rigid repayment structure: EMIs are fixed from day one and must be paid regardless of your cash flow situation.
• Early closure penalties: Many unsecured loans charge prepayment depending on the terms of sanction letter or hefty foreclosure fees if you decide to repay early.
• Credit-score sensitive: A low credit score can lead to rejection or higher interest, unlike LAS where there is less focus on credit score as your investments back the loan.

So, unless you are willing to meet all these criteria and pay more, a secured LAS is often a more cost-effective and convenient option.

A loan against securities gives you better terms, less stress, and faster approval with fewer conditions. Know your LAS advantages

What is Loan to Value (LTV) and why it matters?

LTV determines how much loan you can get based on the current market value of your pledged investments.

• Loan amount is portfolio-based: You can get up to 90% on mutual funds or up to 50% on shares.
• Insurance and bonds offer higher LTV: Up to 80% in some insurance-based LAS products.
• Protects against market volatility: Ensures that the loan remains secure if asset values fall.
• No guesswork: Knowing your LTV helps you plan the amount you can raise confidently.
• Regularly updated: LTV ratios may change based on market movements or portfolio performance.

Understand your LTV to estimate your eligible loan and avoid underfunding.

When should you consider a Rs. 11 lakh loan against securities?

This loan is perfect for urgent financial needs that demand quick funds without disrupting long-term investments.

• Unexpected medical expenses: Fund emergency treatment or surgery without delay.
• Home renovation or relocation: Upgrade or move without dipping into savings.
• Education abroad: Finance fees and travel using your portfolio.
• Business bridge loan: Raise capital to manage short-term business costs.
• Avoid capital gains tax: Don’t redeem investments borrow and stay tax efficient.

5 ways to get a Rs. 11 lakh loan

Choose from multiple investment-backed loan options to unlock Rs. 11 lakh without disturbing your portfolio.

Loan product	Interest rate (p.a.)	Tenure
Loan against mutual funds	8–15%	Up to 36 months
Loan against shares	8–15%	Up to 36 months
Loan against insurance	Up to 24%	Up to 96 months
Esop financing	Up to 15%	Up to 36 months
Loan against bonds	8–15%	Up to 36 months

Use what you already own to raise Rs. 11 lakhs without selling your assets. Compare LAS options

Eligibility criteria for a Rs. 11 lakh loan

You must be a resident Indian above 18 years and own approved securities like mutual funds, shares, or insurance policies.

• Age: You must be 18 years or olderApplicants must be at least 18 years old at the time of application. Some lenders may have an upper age cap of 70–75 years depending on the LAS variant.
• Residency: Only Indian citizens/residents are eligibleTo qualify for a loan against securities, you must be an Indian resident with valid identity and address proof as per regulatory requirements.
• Approved security: You must own MFs, shares, ULIPs, ESOPs, or bonds in your nameYou must legally hold approved financial assets that can be pledged—these include mutual funds, listed shares, insurance policies, ESOPs, and high-grade bonds.
• Minimum portfolio value: Portfolio should meet minimum threshold (typically Rs. 50,000 or more)Your investment portfolio should have a minimum market value set by the lender. For a Rs. 11 lakh loan, a higher-value portfolio is typically required based on the LTV ratio.
• Employment status: Both salaried and self-employed individuals can applyWhether you’re salaried, self-employed, or a business owner, you are eligible, as long as you own qualifying securities in your name.

Documents required

Submit essential documents like PAN, Aadhaar, and your investment statements. Most lenders support 100% digital uploads.

• PAN card: For identity and tax verification
• Address proof: Aadhaar, passport, Voter ID, Driving License, NREGA Job Card, Letter Issued by National Population Register
• Photo: Recent photo for KYC
• Investment statement: Demat, CAMS, or insurance policy bond
• Bank details: For disbursing the loan directly into your account

How to apply for a Rs. 11 lakh loan

Apply online in a few easy steps and receive funds within 24–48 hours*.

Getting a Rs. 11 lakh loan against securities is quick and hassle-free. The entire process is digital, requiring minimal documentation and no branch visits. Here’s how you can apply:

1. Go to the LAS portalVisit the official Loan Against Securities page to begin your application.
2. Select your security typeChoose the type of asset you want to pledge this could be mutual funds, shares, bonds, ULIPs, or insurance policies.
3. Enter your personal detailsFill in your PAN, mobile number, and date of birth to verify your identity and begin the application process.
4. Upload your KYC and investment documentsProvide scanned or digital copies of your PAN, Aadhaar (or other address proof), and the statement of the security you’re pledging.
5. Digitally pledge your securitiesApprove the creation of a lien or pledge using your NSDL, CAMS, or insurance platform credentials. This authorises the lender to hold your investments during the loan period.
6. Receive the amount at the earliest post-verificationOnce your documents and pledged securities are verified, the loan amount is disbursed directly to your bank account usually within 24–48 hours.

Apply from anywhere, anytime, and get Rs. 11 lakh disbursed within 48 hours. Apply now

Benefits of Rs. 11 lakh loan against investments

Access instant funds without affecting your portfolio or long-term goals.

• Continue earning returns: No need to exit your investments
• Lower interest rates: Much cheaper than unsecured loans
• No income proof required: Investments are enough to get you funded
• Quick disbursal: Usually credited within 48 hours
• Flexible use of funds: Business, personal, or emergency you choose
• Custom limits based on portfolio value: Borrow exactly what you need, based on LTV
• Digital application: Skip the paperwork, apply from your phone

Conclusion

A Rs. 11 lakh loan against securities is a smart, efficient way to meet urgent financial needs without disrupting your long-term investment goals. Instead of selling your mutual funds, shares, or insurance, you can borrow against them and continue earning returns. Whether it's for business growth, personal milestones, or medical needs, this option gives you flexibility, speed, and control over your finances—while keeping your wealth intact.

Why pause your dreams or disturb your future plans? Let your investments give you access Rs. 11 lakh instantly, without a single unit sold. Apply for your loan against securities now