Rs. 12 Lakh Loan

Get a Rs. 12 Lakh loan using ESOPs, bonds, mutual funds, shares, or insurance with an easy process, attractive interest rates, and flexible repayment plans.
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3 mins read
16-May-2025

Ever faced a situation where you needed Rs. 12 lakh loan at short notice, Maybe for a critical medical expense, a business pivot, or your child's higher education abroad, but didn’t want to sell your shares, mutual funds, or bonds?
You’re not alone. Many investors today are finding smarter ways to unlock liquidity without disrupting their long-term financial plans.

Instead of liquidating your assets at the wrong time, you can simply borrow against them. Loans against securities allow you to raise funds quickly, often within 24–48 hours, while your investments continue to earn returns.

When an urgent financial need arises, selling your investments shouldn't be your first move. Your portfolio can be your strongest backup, without disrupting your growth plans. Keep building wealth, even as you borrow smarter. Apply for LAS

What is a loan against securities?

A loan against securities (LAS) is a secured loan where your existing financial assets are used as collateral.
You don’t have to sell your investments — you continue to own them and earn dividends or capital gains while accessing funds.

The lender simply marks a lien on the pledged assets and extends you a line of credit or a term loan based on their value.

Key highlights:

  • Ownership stays with you - you retain market-linked returns.
  • Lower interest rates - since it's secured, rates are cheaper than unsecured loans.
  • Flexible withdrawals - many lenders offer overdraft-like facilities too.
Loan Against Shares
Loan Against Mutual Funds

6 ways to get a Rs. 12 lakh loan

Depending on the assets you own, you can access Rs. 12 lakh through various LAS products:

Loan product Interest rate Loan 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 Up to 20% p.a. Up to 36 months
Loan against insurance policies Up to 24% p.a. (terms vary) Up to 96 months
ESOP financing Up to 15% p.a. Up to 36 months


Each option has its advantages. For example, shares and mutual funds can be pledged digitally, speeding up the disbursal process. Bonds and insurance loans usually offer longer tenures.

Did you know? In most cases, the approval process is completed within 24–48 hours!

Why not opt for unsecured loans?

You might wonder, why not just take an unsecured loan?

Here’s a simple comparison:

  Loan against securities Unsecured loan
Interest rate Lower (starting 8–15%) Higher (starting 13–20%)
Processing time 24–48 hours 3–7 days
Documentation Minimal Moderate
Impact on Portfolio None May require selling investments later
Maximum tenure Up to 7–8 years Up to 5 years


Others may settle for costly unsecured loans. You do not have to. Your investments can quietly support you without disruption. Choose smarter, cost-effective borrowing. Apply for LAS

Eligibility criteria for a Rs. 12 lakh loan

Getting a Rs. 12 lakh loan against your investments is simple if you meet these basic criteria:

  • Age: 18 to 65 years
  • Income: Stable income through salary, business, or investment returns
  • Employment status: Salaried individuals, professionals, or business owners
  • Asset ownership: Must hold eligible securities like shares, mutual funds, bonds, or insurance policies

Some lenders may also look at your credit score (typically above 650–700 preferred) to determine eligibility.

Documents required for Rs. 12 lakh loan

Minimal paperwork is another big plus. Here’s what you’ll need:

Official Valid Documents (OVDs):

  • Identity proof: Aadhaar card, PAN card, passport, voter ID, or driving license
  • Address proof: Utility bill, Aadhaar, passport, or driving license

Financial documents:

  • Salary slips, IT returns, or audited business financials
  • Latest six months’ bank account statements
  • Investment proof (shares/mutual fund holdings, bond certificates, policy documents)

Others:

  • Completed and signed loan application form

How to apply for a Rs. 12 lakh loan against securities?

Follow these simple steps:

  1. Choose the right LAS product - based on the assets you wish to pledge.
  2. Check eligibility - ensure you meet age, income, and asset holding requirements.
  3. Prepare documents - identity, address, income proof, and investment statements.
  4. Apply online or offline - complete the application digitally for faster approvals.
  5. Verification and sanction - lender will verify your documents, assess the LTV (Loan to Value) ratio.
  6. Lien creation - lender places a lien on your pledged assets.
  7. Fund disbursal - money is credited directly to your bank account.

Some lenders even offer instant online lien marking for shares and mutual funds, speeding up access.

A well-built portfolio offers more than long-term returns, it offers peace of mind when you need it. Use your assets wisely.

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

When pledging assets, lenders offer loans based on a percentage of their current market value — called Loan to Value (LTV).

Typical LTVs:

  • Shares: Up to 50% of portfolio value
  • Mutual Funds: Up to 90%
  • Bonds: Up to 95% of bond value
  • Insurance Policies: Up to 90% (depending on policy)

Example:
If your share portfolio is worth Rs. 20 lakh, you may be eligible for a Rs. 10–14 lakh loan depending on lender norms.

Benefits of taking Rs. 12 lakh loan against securities

Choosing to borrow against securities brings many advantages:

  • Lower cost of borrowing compared to unsecured loans
  • Quick disbursal - ideal for urgent needs
  • Flexible repayment - tenure of up to 96 months or more
  • No foreclosure charges with some lenders
  • Continued investment returns even after pledging
  • Easy top-up loans if asset values rise

Plus, in most cases, you can release the lien at any point by prepaying the outstanding amount.

Every thoughtful investment you made is a safety net too, it’s about knowing when to lean on it. Explore safe, flexible borrowing. Apply now

When should you consider a Rs. 12 lakh loan against securities?

Some common real-life scenarios where LAS can be a game-changer:

  • Funding urgent surgeries or medical treatments
  • Paying education fees or securing admissions abroad
  • Expanding business inventory or operations
  • Covering wedding expenses without selling core investments
  • Grabbing limited-time investment opportunities

Conclusion

Accessing Rs. 12 lakh without disturbing your investments is not just financially smart, it's empowering.
It lets you meet today's needs without giving up tomorrow's dreams. Loans against securities combine the best of both worlds: immediate liquidity and long-term wealth protection.

If you have the assets, you already have the power.
It’s time to use it wisely.

You have built your future with patience. Now let it support your present with strength.

Leverage your investments. Apply for a Rs. 12 lakh loan now

Frequently asked questions

How to get a Rs. 12 Lakh Loan immediately?
To get a Rs. 12 lakh loan instantly, choose a lender offering quick approval, like loans against mutual funds, or shares. Ensure you meet the eligibility criteria, submit required documents online, and opt for digital verification for faster processing.

What is the minimum salary for a Rs. 12 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 12 lakh 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 Rs. 12 Lakh Loan per month?
Interest rates for a Rs. 12 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured loans.

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