Rs. 3 Crore Loan Against Securities

To be eligible for a Rs. 3 crore loan against securities, you typically need to meet the following criteria:
 

• Age: 18 to 90 years
• Nationality: Indian
• Employment Status: Salaried or self-employed
• Minimum Portfolio Value: Rs. 50,000

Specific eligibility may vary based on the type of security offered as collateral.
If you need a smaller amount, you can also apply for a Rs. 2 crore loan with quick approval and simple documentation.
 

Prepare the following documents for a smooth application process:

• Identity proof: PAN card
• Address proof: Aadhaar card, passport, driving license, or voter ID
• Income proof: Salary slips, IT returns, or business financial statements
• Bank statements: Last six months
• Investment proof: Demat statements, mutual fund account statements, or insurance policy documents

Applying for a Rs. 3 crore loan is a simple process that can be completed online or offline. Here’s a step-by-step guide:

1. Choose the right loan type: Assess your financial needs and select the appropriate loan against shares, mutual funds, or insurance policies.
2. Check eligibility: Ensure you meet the eligibility criteria for the chosen loan type.
3. Gather documents: Collect all necessary documents as listed above.
4. Apply online or offline: Submit your application through the Bajaj Finance website or visit a branch.
5. Verification and approval: The lender will verify your documents and assess your application.
6. Disbursement: Upon approval, the loan amount will be credited to your bank account.

If you need a much bigger loan amount, you can also apply for a Rs. 100 crore loan with an easy process and quick approval

Choosing a Rs. 3 crore loan against investments offers multiple advantages over unsecured loans:

• Lower interest rates: Secured loans have significantly lower interest rates than personal loans.
• Quick approval and disbursal: Minimal documentation and fast processing ensure funds are available within days.
• No need to sell investments: Borrowers can use their shares, or as collateral while continuing to earn returns.
• Flexible repayment tenure: Loan terms range from 12 to 60 months, allowing manageable EMIs.
• Higher loan amount eligibility: Loan amounts depend on the value of the pledged assets, enabling access to higher funding.
• Loan to Value (LTV): Lenders offer 50% to 90% of the investment’s value as a loan, ensuring substantial borrowing capacity depending on the lender itself.

Preserve your portfolio while meeting your funding goals. Secure up to Rs. 3 crores without breaking your investments. Apply now

When your funding requirement is as substantial as Rs. 3 crore, liquidating investments may not always be the smartest move. A loan against securities (LAS) allows you to unlock the value of your portfolio while keeping your long-term wealth strategy intact. It is particularly useful for high-value needs such as business expansion, real estate investment, or managing large financial commitments. Here’s why opting for a loan against securities makes sense:

• Retain ownership of your investments

  You continue to stay invested in shares, mutual funds, or bonds, allowing your portfolio to potentially grow even while you meet your liquidity needs.

• Access high loan amounts with ease

  Well-diversified and high-value portfolios make it easier to secure loans as large as Rs. 3 crore, depending on the value and type of securities pledged.

• Lower interest rates compared to unsecured loans

  Since LAS is a secured loan, interest rates are generally more competitive than personal loans, helping you reduce overall borrowing costs.

• Quick processing and minimal documentation

  With existing investments as collateral, approvals are faster and paperwork is relatively simple—ideal when you need funds urgently.

• Flexible usage of funds

  Whether it’s for business needs, medical emergencies, or lifestyle goals, LAS offers versatility without strict end-use restrictions (except for speculative purposes).

• Pay interest only on utilised amount

  Many LAS facilities work like an overdraft, meaning you are charged interest only on the amount you actually use, not the entire sanctioned limit.

• No disruption to long-term financial goals

  By avoiding the sale of your assets, you prevent potential capital gains tax and stay aligned with your long-term investment strategy.

In scenarios where timing and financial efficiency matter, a loan against securities can be a strategic way to raise Rs. 3 crore without compromising your wealth-building journey.

Getting a Rs. 3 crore loan against securities is designed to be quick and efficient, especially for investors with a strong portfolio. Here’s how the process typically works:

• Application submission

  Apply online or offline by providing basic KYC details and information about your financial securities.

• Pledging of securities

  Shares, mutual funds, or bonds are pledged in favour of the lender while you retain ownership.

• Loan eligibility assessment

  The lender evaluates your portfolio value and applies a Loan-to-Value (LTV) ratio to determine the sanctioned amount.

• Loan approval and sanction

  Once verified, the loan (up to Rs. 3 crore) is approved, and a credit limit is assigned.

• Disbursal of funds

  Funds are made available—often as an overdraft facility—allowing you to withdraw as needed and pay interest only on the utilised amount.

A Rs. 3 crore loan against investments is a smart way to access funds without liquidating assets. Secured loans offer lower interest rates, flexible repayment options, and quick approvals, making them ideal for borrowers needing immediate liquidity. Before applying, compare loan options, interest rates, and repayment terms to choose the best solution for your financial needs. Proper financial planning ensures smooth repayment and effective use of the borrowed amount.