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.
Why a Rs. 2 crore LAS is smarter than a personal loan?
When you need high-value funding, choosing between a Loan Against Securities (LAS) and a personal loan can significantly impact your financial efficiency. A Rs. 2 crore LAS allows you to unlock liquidity from your existing investments—like shares or mutual funds—without selling them. This means you continue to benefit from market growth while accessing funds at comparatively lower interest rates.
On the other hand, personal loans are unsecured, often come with higher interest rates, and may not be ideal for large funding requirements. They also offer limited flexibility in repayment and can increase your financial burden due to fixed EMIs.
For investors and high-value borrowers, LAS offers a smarter, more cost-effective, and flexible alternative—especially when you want to maintain your wealth portfolio while meeting immediate financial needs.
| Parameters | Loan Against Securities (LAS) | Personal Loan |
|---|---|---|
| Loan type | Secured (against investments) | Unsecured |
| Loan amount | Up to Rs. 2 crore (or higher based on portfolio) | Usually limited (lower than LAS) |
| Interest rates | Lower, as it is secured | Higher due to unsecured nature |
| Collateral | Shares, mutual funds, bonds | No collateral required |
| Ownership of assets | Retained; investments remain in your name | Not applicable |
| Repayment flexibility | Flexible (OD facility, pay as you use) | Fixed EMIs |
| Processing time | Quick with minimal documentation | Quick but stricter eligibility checks |
| Impact on investments | Continue earning returns | No investment linkage |
| Best suited for | Investors needing large, flexible funding | Short-term personal expenses |
In summary, a Rs. 2 crore LAS offers lower costs, higher flexibility, and uninterrupted wealth growth, making it a more strategic choice than a personal loan for large funding needs.
4 high-value assets you can pledge for a Rs. 2 crore limit
We offer multiple secured loan solutions designed to help you monetise your investments without liquidating them. Here's how you can do it:
1. 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.
2. 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.
3. 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.
4. 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.
