Rs. 2 Crore Loan

Get a Rs. 2 crore loan quickly. Check interest rates, required documents, and apply online with ease and convenience.
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3 mins read
21-January-2026

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.

4 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:

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.

Loan Against Shares
Loan Against Mutual Funds

4 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

ESOP financing

Up to 15%

Up to 36 months

Loan against insurance

8% p.a. to

24%

Up to 96 months

Loan against mutual funds

8% to 12%

Up to 36 months

Loan against shares

8% to 12%

Up to 36 months


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.

If you need a higher loan amount, you can apply for a Rs. 3 crore loan

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, 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.

If your funding needs are on the higher side, a Rs. 10 crore loan option may be available.

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.

What are the risks of taking a Rs. 2 crore loan?

While a Rs. 2 crore loan against securities can be highly beneficial, it’s important to understand the risks involved before applying. Being aware helps you plan repayment better and avoid financial stress. Key risks include:

  • Market volatility: Since your investments are pledged, a sudden fall in market value can reduce your collateral value and trigger a margin call.

  • Repayment pressure: Missing EMIs or defaulting may lead to liquidation of your pledged securities.

  • Interest cost buildup: If repayment is delayed, the accumulated interest can make the loan more expensive than expected.

  • Restricted asset usage: While you retain ownership, you cannot sell or redeem the pledged securities until the loan is cleared.

  • High-value risk exposure: A large loan like Rs. 2 crore carries greater responsibility; mismanagement can impact your long-term wealth.

If you have a lower loan requirement, you can apply for a loan Rs. 4 lakh loan

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

Frequently asked questions

How to get a Rs. 2 Crore Loan immediately?
To obtain a Rs. 2 crore loan promptly, approach lenders offering high-value loans, such as home loans or loans against property. Ensure you meet their eligibility criteria and possess the necessary documentation for swift processing.

What is the minimum salary for a Rs. 2 Crore loan?
There is no minimum salary requirement to avail of a Rs. 2 crore 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. 2 Crore Loan per month?
Interest rates depend on the lender, loan type, and your investments. For example, home loans may have interest rates starting from around 8.25% per annum. It's advisable to check with specific lenders for the most accurate and current rates.

What type of collateral is needed for a Rs. 2 crore loan?

For a Rs. 2 crore loan, lenders typically require high-value collateral in the form of securities. These may include shares, mutual funds, or ESOPs. The pledged assets secure the loan and determine the maximum eligible amount.

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