Rs. 20 crore Loan

Raising Rs. 20 crore does not have to mean liquidating your high-performing investments or compromising your long-term financial vision. Whether you're seizing a business acquisition, investing in prime real estate, or managing a time-sensitive opportunity, a Rs. 20 crore loan against securities helps you access large-scale liquidity quickly, efficiently, and without selling a single asset. It’s capital on your terms designed for high-impact decision-makers who want to move fast without disrupting future gains.

Did you know? You can access up to Rs. 20 crore in just 24–48 hours* by pledging your mutual funds, shares, insurance policies, ESOPs, or bonds, without selling a single unit.

What is a loan against securities?

A Loan Against Securities (LAS) is a credit facility that allows you to borrow funds by pledging your financial assets as collateral. This includes mutual funds, listed shares, insurance policies (ULIPs or traditional), ESOPs, or bonds. Your investments remain in your name, continue to grow, and generate returns, even as you access funds against them.

• No asset sale required – Stay invested while unlocking liquidity.
• Accepted securities – Mutual funds, shares, insurance, ESOPs, and bonds.
• Quick disbursal – Receive funds in 24–48 hours*.
• Flexible end use – Business, property, family, or emergency no restrictions.
• Smart capital management – Borrow without disturbing compounding or triggering taxes.

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?

When you need high-value funding like a Rs. 20 crore loan, unsecured credit options may fall short or cost significantly more. A loan against securities offers a smarter route.

• Lower interest rates – Starting from 8% p.a., vs. 12% p.a.–18% p.a.for unsecured loan.
• No income proof required – Your investment value speaks for you.
• Minimal paperwork – Complete digital onboarding.
• Faster turnaround – Funds are disbursed within 24-48 hours*.
• No usage conditions – Use the funds as per your personal or business need.

Why pay more or wait longer when your investments can secure what you need today? Know how LAS compares

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

Loan to Value (LTV) is a critical concept when taking a loan against securities. It determines the percentage of your investment’s current market value that a lender is willing to offer as a loan. Since your investment acts as collateral, the LTV helps lenders manage risk while giving you access to sizable capital. The LTV ratio varies depending on the asset you choose to pledge:

• Mutual funds – You can borrow up to 90% of the Net Asset Value (NAV).
• Shares – Typically up to 50%, as share prices are more volatile and subject to market swings.
• Insurance policies & bonds – Lenders may offer up to 80–90% for traditional insurance with high surrender value or for AAA-rated bonds.

LTV helps you plan in advance whether you're pledging a single asset or a diversified portfolio. It also ensures a safety buffer during market fluctuations, protecting both you and the lender.

Example: If your mutual fund portfolio is worth Rs. 27 crore, you may be eligible for a Rs. 20 crore loan at 90% LTV, without selling even a single unit or triggering tax consequences.

When should you consider a Rs. 20 crore loan against securities?

A Rs. 20 crore loan against securities is a highly strategic option when you need access to large capital quickly, without the friction of traditional loans or the downsides of selling high-performing investments. It’s best suited for professionals, CXOs, business owners, and HNIs who value both speed and financial control. Here are some ideal use cases:

• You want to avoid capital gains tax – Borrowing against investments allows you to retain your portfolio and avoid tax liabilities that come with redemption.
• You are managing a business acquisition or expansion – Quickly raise capital without giving up equity or going through lengthy business loan approvals.
• You are funding a real estate purchase – Secure premium property bookings or down payments without breaking long-term funds.
• You need high-value bridge financing – Use it to meet cash flow gaps, refinance a short-term debt, or fund business transitions without disruptions.
• You want to act fast – With LAS, you can raise Rs. 20 crore within 24–48 hours, enabling faster decision-making and execution.

This option is about unlocking liquidity without sacrificing ownership or future growth. It’s ideal for those who believe in preserving wealth while accelerating goals.

5 ways to get a Rs. 20 crore loan

Choose from five eligible asset types to structure your Rs. 20 crore loan.

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

Convert your existing portfolio into a Rs. 20 crore credit line, quick, flexible, and cost-efficient. Compare all LAS options

Eligibility criteria for a Rs. 20 crore loan

To qualify for a Rs. 20 crore loan against securities, your eligibility is primarily based on the size and quality of your investment portfolio. Here's what lenders typically require:

• Age – You must be at least 18 years old. Some lenders offer LAS products to applicants up to 90 years, depending on the security pledged and tenure.
• Residency – Indian citizens and residents only are eligible for LAS. A valid Indian address proof is required during the digital onboarding and KYC process.
• Eligible securities – You must legally own the financial assets you’re pledging. If they are jointly held, additional declarations or approvals may be required by the lender.
• Minimum portfolio value – Your portfolio should match the lender’s Loan-to-Value (LTV) criteria. For example, at 90% LTV, a Rs. 27 crore portfolio may be needed for a Rs. 24 crore loan.
• No income proof required – Since the loan is secured by your portfolio, most lenders don’t require salary slips, ITRs, or other income documents to approve your loan.

Documents required

To apply for a Rs. 20 crore LAS, you only need a few basic documents. Most of the process is paperless and can be completed from anywhere:

• PAN card – This is used to verify your identity and link your investment holdings. PAN is also required for tax compliance.
• Address proof – Submit a valid document showing your current residential address. This is a key part of your KYC (Know Your Customer) process.
• Recent photo – a recent photo is typically required for account creation and lender records.
• Investment proof – Submit digital statements of the securities you wish to pledge. These documents help the lender verify asset ownership and calculate your loan eligibility.
• Bank details – This ensures that your approved loan amount is directly credited to your active savings account with no delays.

How to apply for a Rs. 20 crore loan?

The application process for a Rs. 20 crore loan against securities is fully digital and can be completed in just a few easy steps:

1. Visit the Loan Against Securities portalHead to the official LAS page and choose the investment type you wish to pledge.
2. Choose your investment typeSelect the category of securities mutual funds, shares, insurance policies, ESOPs, or bonds—that you want to offer as collateral.
3. Fill in basic KYC details (PAN, DOB, contact info)Enter your PAN, date of birth, and mobile number to start your digital onboarding journey. These are used for instant ID verification.
4. Upload documents and investment proofsSubmit scanned or digital versions of your KYC and investment documents. This allows the lender to assess your profile and loan eligibility.
5. Authorise pledge digitally via NSDL, CAMS, or insurerDepending on the security type, you will need to digitally authorise a lien or pledge via platforms like NSDL, CDSL, CAMS, or your insurer’s portal.
6. Get the loan amount in your bank within 24–48 hoursOnce your documents and pledges are verified, the loan amount is transferred directly to your bank account—usually within 24–48 hours.

Apply digitally. Pledge securely. Get Rs. 20 crore disbursed without delays. Apply now

Benefits of Rs. 20 crore loan against investments

A Rs. 20 crore LAS offers speed, flexibility, and low-cost funding, ideal for high-net-worth individuals and business owners.

• Stay invested: Your assets keep compounding while you borrow against them.
• Lower interest rates: Pay significantly less than unsecured business or personal loans.
• Quick disbursal: Get funds within 24–48 hours with minimal documentation.
• No foreclosure charges: Repay early without penalties.
• Flexible usage: Use funds for business, real estate, tax, or personal needs.
• No income proof needed: Eligibility is based on your portfolio, not salary.
• Custom loan limits: Get tailored loan amounts based on your portfolio value and LTV.
• Revolving credit available: Withdraw and repay as needed, like an overdraft.

Conclusion

A Rs. 20 crore loan against securities is not just about raising capital it’s about doing it smartly. Whether you're managing a large business transaction, funding an asset purchase, or bridging short-term liquidity needs, this loan gives you the flexibility to act fast without disturbing your long-term investments. You continue to earn returns on your portfolio while accessing funds at competitive rates and minimal documentation. It’s the ideal financial solution for those who want to stay invested and stay in control.

Let your portfolio power your next big move get a Rs. 20 crore loan without selling a single investment. Apply now