Rs. 12 Lakh Loan

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

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!

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

Here’s a simple comparison:

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

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.

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

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.

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.

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

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

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