Rs. 2 Crore Loan

Need a Rs. 2 crore loan without breaking long-term investments? Whether you are managing a large medical bill, scaling a business, or simply need funds for a high-value goal, there’s a smarter way to get value from your existing financial assets without selling them.

Did you know? You can raise Rs. 2 crores by pledging your investments, such as mutual funds, shares, insurance policies, or even bonds, while still retaining ownership and future gains.

Let’s explore how this works and what your best options are.

6 ways to get Rs. 2 crore loans using your investments

We offer multiple secured loan solutions designed to help you monetise your investments without liquidating them. Here's how you can do it:

ESOP financing

This lets employees convert their vested stock options into shares without paying upfront. It helps you become a shareholder in your company and potentially benefit from future appreciation in the stock’s value.

Loan against bonds

Got investments in high-value bonds? Instead of redeeming them early, you can use them as collateral for a large-ticket loan. You continue to earn interest, while gaining access to the capital you need.

Loan against insurance policy

If you have a life insurance policy with decent surrender value, you can use it to raise funds while keeping your coverage active. It’s a great way to leverage dormant value in traditional policies.

Need funds but don’t want to surrender your insurance policy? Get a Loan Against Insurance and keep your cover intact.

Loan against mutual funds

You don’t need to redeem your mutual fund units to access funds. Simply pledge them and unlock up to 80% of their value as an overdraft or term loan.

Facing an urgent need but your SIPs are long-term? Apply for Loan Against Mutual Funds and avoid breaking your investment strategy.

Loan against shares

If you hold equity shares, this option helps you tap into their value without selling. You get the required funds, while your portfolio stays intact and continues to earn.

Why sell your shares when you can borrow against them? Apply for Loan Against Shares for flexible funding backed by your portfolio.

6 ways to get Rs. 2 crore loans

Here’s a are the six secured loan types you can explore to raise Rs. 2 crore or more. These loan options offer better rates and terms than traditional unsecured loans:

Loan product	Interest rate	Loan tenure	Details and application link
ESOP Financing	up to 15% p.a.	Up to 36 months	Learn more and apply for ESOP Financing
Loan Against Bonds	Up to20% per annum	Up to 36 months	Learn more and apply for Loan Against Bonds
Loan Against Insurance Policy	Up to 24% p.a.(In case of lock-in policies, compounding interest will be chargedIn case of lock-in free policies, simple interest will be charged)	Up to 96 months	Learn more and apply for Loan Against Insurance Policy
Loan Against Mutual Funds	8-15% per annum	Up to 36 months	Learn more and apply for Loan Against Mutual Funds
Loan Against Shares	8-15% per annum	Up to 36 months	Learn more and apply for Loan Against Shares

Eligibility criteria for a Rs. 2 crore loan

Planning to apply for a Rs. 2 crore loan against securities? Meeting the eligibility norms is the first step towards fast approval. While lenders may have slightly different parameters, here are the typical eligibility requirements:

Common eligibility criteria:

• Age: Between 18 and 65 years
• Income: Stable income from a job, business, or investment returns
• Employment type: Salaried employees, self-employed professionals, or business owners
• Asset ownership: Investments in shares, bonds, mutual funds, or insurance policy.

Documents required for Rs. 2 crore loan

Submitting the right documents not only speeds up your loan approval but also ensures minimal back-and-forth.

Here’s a checklist to help you get started:

KYC documents (any one from each):

• Identity proof: Aadhaar card, PAN card, Passport, Driving license and Voter ID
• Address proof: Utility bill, passport, driving license, or Aadhaar card

Additional documents:

• Income proof: Latest salary slips, ITRs, or business financials
• Bank statements: Last 6 months
• Investment proof: Statement or certificate for shares, bonds, mutual funds, or insurance
• Loan application form: Filled and signed per the lender’s format

How to apply for a Rs. 2 crore loan?

Whether you are facing an urgent financial need or planning a major expense, applying for a Rs. 2 crore loan against your investments is surprisingly simple.

Follow these easy steps:

1. Choose the loan type: Compare options like loans against shares, mutual funds, bonds, or ESOPs to select what suits your need best.
2. Check eligibility: Ensure you meet basic criteria like credit history, asset type, and ownership.
3. Prepare your documents: Have your KYC, income proof, and investment details ready.
4. Apply online or offline: Visit the lender’s official website or branch to submit your application.
5. Wait for approval: The lender verifies documents and your asset value. On successful verification, the loan is approved.
6. Receive disbursal: Once approved, the amount is credited to your bank account, usually within 24 to 48 hours.

Benefits of Rs. 2 crore loans against investments

Loans backed by securities offer several advantages over traditional personal loans, especially when the amount is high.

Here’s why opting for a secured loan is a smart move:

• Lower interest rates: Interest is generally lower since your investment acts as collateral.
• Quick approvals and disbursals: Minimal documentation and instant verification mean you get funds when you need them most.
• Retain your investments: You do not have to sell your shares or bonds. Keep earning returns even while availing funds.
• Flexible repayment options: Tenures can range from 7 days to 96 months, making EMIs more manageable.
• Higher loan eligibility: The more valuable your assets, the higher your loan limit.
• High Loan-to-Value (LTV) ratio: Get from 50-90% of your investment’s value, depending on the security and lender policy.

For instance, pledging mutual funds worth Rs. 2.5 crore can help you get up to Rs. 2 crores as a loan, without selling a single unit.

Looking to avail liquidity from your portfolio? Apply for a loan against securities and get funds in just a few hours.

Conclusion

A Rs. 2 crore loan against securities isn’t just a financing option, it’s a strategic way to access funds while keeping your investments intact. With lower interest rates, quick turnaround times, and flexible repayment, this option is ideal for those who need urgent liquidity without derailing their long-term financial plans.

Bajaj Finance Limited offers end-to-end digital journeys for loans against shares, bonds, mutual funds, and more, with zero hidden charges. Apply now