Rs. 18 Lakh Loan

Need Rs. 18 lakhs urgently, but don’t want to break your long-term investments? Whether you’re planning a large business move, managing a family expense, or dealing with a financial emergency, a Rs. 18 lakh loan against securities lets you raise funds without selling your mutual funds, shares, bonds, ESOPs, or life insurance policies. This is liquidity made smarter no redemptions, no stress.

Did you know? You can raise up to Rs. 18 lakh in just 24–48 hours* by pledging your existing investments without exiting them or triggering taxes.

What is a loan against securities?

A loan against securities (LAS) allows you to access instant funding by pledging your financial assets as collateral. Your investments remain untouched and continue to grow, while you borrow based on their current value.

No asset sale required: Your securities stay invested while you raise money.

Accepted investments: Mutual funds, shares, insurance policies, bonds, and ESOPs.

Quick disbursal: Funds are usually transferred within 24–48 hours.

Any-purpose loan: No restrictions—use the money as needed.

Lower risk, lower cost: You benefit from better interest rates than unsecured loans.

Why sell your investments when you can borrow against them and still enjoy their future growth? Apply for a loan against securities

Why not opt for unsecured loans?

Borrowing Rs. 18 lakh through a personal loan or credit line can be expensive and time-consuming. A LAS, on the other hand, gives you faster access with fewer conditions.

• Interest rates are lower: Starting at 8% p.a.vs. 12% p.a.–18%p.a. for unsecured loans.
• Minimal documentation: Just your KYC and investment proof are usually enough.
• Faster processing: No income proof needed in most cases.
• Flexible repayment options: Some LAS products offer overdraft-like flexibility.
• No usage restrictions: Use the funds for anything no questions asked.

Get more flexibility and lower interest with a loan backed by your investments. Apply for LAS

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

Loan to Value (LTV) determines how much loan amount you are eligible for based on your portfolio. Different investments have different LTV percentages.

• Mutual funds: You can borrow up to 90% of the current value of your mutual fund units. The actual percentage may vary slightly depending on the type of fund (equity, debt, hybrid) and the lender’s internal risk policies.
• Shares: Listed shares generally fetch an LTV of around 50%. Shares tend to be more volatile than mutual funds or bonds, so lenders allow a lower borrowing percentage.
• Insurance policies and bonds: Traditional life insurance and high-quality bonds may offer up to 80–90% LTV. ULIPs, endowment policies, or bonds with high credit ratings often qualify for higher limits due to their stability and lower risk.
• Why LTV matters: It keeps your loan safe—even in a market dip. It also protects you from borrowing more than your investments can support.
• Helps you plan: Understanding your LTV ahead of time allows you to estimate how much you can borrow and avoid any surprises during the loan process.

Example: Suppose your mutual fund portfolio is worth Rs. 24 lakh and the lender offer a 90% LTV. You can get a Rs. 21 lakh loan without redeeming a single unit or triggering tax liabilities.

When should you consider a Rs. 18 lakh loan against securities?

A Rs. 18 lakh loan against securities is an excellent solution when you need access to large funds quickly, without dipping into your long-term investments. It’s a secure way to handle urgent financial needs while letting your portfolio continue to earn and grow. Here are common situations where this loan makes sense:

• To manage medical or family emergencies: When you face unexpected expenses like surgeries or hospitalisation, this loan helps you get fast funds without touching your long-term plans.
• To expand your business: Whether you need working capital, want to secure a new deal, or bridge cash flow gaps, this loan gives you breathing room without waiting for credit approvals.
• For educational expenses: Use the loan to fund college fees, relocation, or overseas travel. Unlike education loans, LAS doesn’t require co-signers or income proof.
• To avoid tax liability: Redeeming mutual funds or shares can lead to capital gains tax. A LAS allows you to raise funds while your investments stay untouched and continue compounding.
• When credit score is not ideal: If your credit score isn’t strong, unsecured loans may be rejected or come at higher rates. But LAS is backed by your assets, so your investment value, not your score, does the talking.

Use case: You are a business owner who needs Rs. 18 lakh urgently for bulk inventory during peak season. Rather than taking an expensive loan or redeeming profitable mutual funds, you pledge your portfolio and get disbursal in 24–48 hours without disturbing your market position.

Meet big-ticket needs on your terms. Let your portfolio fund your present, while securing your future. Explore LAS options

5 ways to get a Rs. 18 lakh loan

Choose from five investment types to raise Rs. 18 lakh based on your portfolio composition.

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

Eligibility criteria for a Rs. 18 lakh loan

Getting a Rs. 18 lakh loan against securities is primarily based on the value of your investments, not your income or employment type. Here's what you need to qualify:

• Age: At least 18 years of age; some lenders allow up to 90 years. You must be at least 18 years old. Some lenders offer LAS to senior citizens as well, depending on the product and pledged security.
• Residency: Must be a resident Indian with valid address proof. Loans against securities are available only to Indian citizens with local address verification through Aadhaar, passport, utility bill, or voter ID.
• Investment ownership: Securities must be in your name joint holders may need additional documentation.The securities you pledge must be held in your name. If you are a joint holder, some lenders may request a No Objection Certificate or additional declarations.
• Portfolio value: Typically, Rs. 24 lakh or more depending on LTV for a Rs. 18 lakh loan. To raise Rs. 18 lakhs, your portfolio should meet the required market value based on Loan-to-Value (LTV). For example, at 75% LTV, you need assets worth Rs. 24 lakh or more.
• No income proof needed: Investments are sufficient for approval. You don’t need to submit salary slips, IT returns, or bank statements. Your pledged investments alone determine your loan eligibility.

Your portfolio is your financial strength, use it to qualify without income stress. Apply for LAS now

Documents required

Submit essential documents online—no physical visits or paperwork delays.

• PAN card: For KYC and financial verification.
• Address proof: Aadhaar, passport, voter ID, Driving License, NREGA job card, Letter issued by National Population Register.
• Photograph: Passport-size, digital upload.
• Investment proof: CAMS/Karvy for MFs, Demat for shares, ULIP bond for insurance.
• Bank account details: For loan disbursal.

How to apply for a Rs. 18 lakh loan?

The application process for a Rs. 18 lakh loan against securities is completely online, fast, and simple. Here’s a step-by-step breakdown of how it works:

1. Visit the LAS application portalHead to the loan against securities page and choose the variant matching your investment type.
2. Choose your investment typeSelect the kind of security you wish to pledge—mutual funds, shares, insurance policies, bonds, or ESOPs. Each has different LTV and documentation requirements.
3. Fill in basic KYC details—PAN, DOB, mobileBegin your application by entering your PAN card number, date of birth, and a valid mobile number. This helps initiate identity verification.
4. Upload documents and investment proofsSubmit digital copies of your PAN, address proof, and investment statements through the online portal. Most applications are paperless.
5. Digitally pledge your assets (NSDL, CAMS, etc.)Authorise the pledge of your assets through your Demat, NSDL/CDSL login, CAMS folio (for mutual funds), or insurance provider’s platform.
6. Receive the loan amount within 24–48 hours* after approvalOnce verification is done, your Rs. 18 lakh loan is disbursed directly to your bank account usually within 24 to 48 hours.

Benefits of Rs. 18 lakh loan against investments

A Rs. 18 lakh loan against securities gives you fast access to funds while your portfolio stays intact and continues to grow. Here’s why it makes sense:

• Stay invested: Your mutual funds, shares, or insurance policies keep earning returns even while pledged.
• Lower interest rates: Enjoy rates starting from 8% p.a., much lower than unsecured loans.
• Quick approvals: With minimal documents, get disbursal in just 24–48 hours.
• No foreclosure charges: Repay early without extra fees.
• No income proof needed: Your investments are enough—no salary slips or ITRs required.
• Flexible usage: Use funds for education, medical needs, business, or personal goals.
• Custom credit limits: Borrow as per your portfolio size and LTV.
• Revolving credit: Some options let you borrow and repay flexibly like an overdraft.

Conclusion

A Rs. 18 lakh loan against securities is one of the most flexible, fast, and financially efficient ways to raise funds. It helps you access immediate liquidity without selling your long-term investments. Whether it’s a business opportunity, medical need, or personal milestone, this loan keeps you in control of your money and your future.

Why break your investments when you can borrow against them? Access Rs. 18 lakh in just 48 hours. Apply for your LAS today