If you are looking to raise a large sum like Rs. 3 crores, an unsecured loan may not be the smartest or most cost-effective route. Unsecured loans often come with steep interest rates, strict eligibility criteria, and lower loan ceilings. Instead, you can consider pledging your existing financial investments, such as shares, mutual funds, or insurance policies, as collateral. This gives you access to a large loan amount at a significantly lower interest rate, without selling off your assets.
Got investments in shares or mutual funds? Use them to secure a Rs. 3 crore loan at lower rates, without selling them. Apply now
Secured loans allow borrowers to leverage existing investments without liquidating them, ensuring continued financial growth while addressing urgent fund requirements. When you pledge financial securities, your investments continue to earn returns while serving as collateral. Because the loan is backed by a tangible asset, lenders offer better terms, like reduced interest rates, faster disbursals, and flexible repayment periods.
4 smart ways to get Rs. 3 crore loan
The table below outlines six secured loan options, their interest rates, and repayment terms. These options provide lower interest rates than unsecured loans and allow borrowers to use their financial assets as collateral.
| Loan product | Interest rate | Loan tenure |
| ESOP Financing | up to 15% p.a. | Up to 36 months |
| Loan Against Insurance Policy | Up to 24% p.a. | Up to 96 months |
| Loan Against Mutual Funds | 8-15% per annum | Up to 36 months |
| Loan Against Shares | 8-15% per annum | Up to 36 months |
Each of these loans provides access to quick funding with minimal paperwork. Borrowers can continue earning returns on their investments while using them as collateral for securing a loan.
If you need a larger amount, you can also apply for a Rs. 20 crore loan with simple eligibility and quick processing.
Eligibility criteria: Are you qualified?
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.
Documents required to avail your Rs. 3 crore LAS
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
How to apply for a Rs. 3 crore LAS?
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:
- Choose the right loan type: Assess your financial needs and select the appropriate loan against shares, mutual funds, or insurance policies.
- Check eligibility: Ensure you meet the eligibility criteria for the chosen loan type.
- Gather documents: Collect all necessary documents as listed above.
- Apply online or offline: Submit your application through the Bajaj Finserv website or visit a branch.
- Verification and approval: The lender will verify your documents and assess your application.
- 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.
Benefits of Rs. 3 crore loans against investments
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
Why choose loan against securities for a Rs. 3 crore loan?
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.
How does a Rs. 3 crore loan against securities process work?
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.
Conclusion
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.
Frequently asked questions
A Rs. 3 crore loan typically involves processing fees, interest costs, documentation charges, and possible foreclosure or prepayment penalties. Reviewing the lender’s complete fee schedule helps estimate the total cost accurately.
Tax benefits depend on how the borrowed funds are used. When utilised for business or investment purposes, the interest paid on the Rs. 3 crore loan may qualify as a deductible expense under income tax laws.
Bajaj Finserv App for all your financial needs and goals
You can use the Bajaj Finserv App to:
Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
Explore and apply for co-branded credit cards online.
Invest in fixed deposits and mutual funds on the app.
Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
Apply for Insta EMI Card and get a pre-approved loan on the app. Explore over 1 million products on the app that can be purchased from a partner store on Low Cost EMIs.
Shop from over 100+ brand partners that offer a diverse range of products and services.
Use specialised tools like EMI calculators, SIP Calculators
Check your credit score, download loan statements, and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.
