₹25,000 - ₹25 Cr
Loan of up to 80% of policy value| Funding against policies under lock-in period
Overview
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6 ways to get Rs. 30 lakh loans
In Summary
A 30 lakh loan against eligible securities can help you access funds without selling your investments, subject to the lender’s eligibility criteria, asset value, and applicable loan-to-value (LTV) ratio.
- Loan amount: A ₹30 lakh loan may be available by pledging eligible securities, subject to valuation and approval.
- Interest rate: Rates may range from 8–15% p.a., depending on the asset type, borrower profile, and lender terms.
- Loan-to-value: A loan against securities may allow borrowing up to 50–80% of the pledged asset’s eligible value.
- Tenure: Most LAS products may offer tenures of up to 36 months, while loans against insurance policies may extend up to 96 months.
- Eligibility: Applicants aged 18–90 who own eligible shares, mutual funds, bonds, or insurance policies may qualify, with no minimum salary requirement for some LAS products.
Apply with Bajaj Finance and use the EMI calculator to estimate your repayments before proceeding.
Depending on what assets you own, you can choose from several types of secured loans to get Rs. 30 lakh. Here is a quick look at six popular options:
Loan product Interest rate Loan tenure ESOP financing Up to 15% p.a. Up to 36 months Loan against bonds 8–15% 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% p.a. Up to 36 months Loan against shares 8–15% p.a. Up to 36 months Have investments lying idle? Use them to get a loan of up to Rs. 30 lakh. Apply now
Eligibility criteria for a Rs. 30 lakh loan
How to Secure a Rs. 2 Crore Loan Against Securities Instantly
To get a Rs. 30 lakh loan, lenders usually check if you meet the following basic conditions:
- Age: You should be between 18 and 90 years old at the time of application.
- Income: A stable source of income is essential. This can be from a regular salary, self-employment, or business income.
- Employment status: Whether you’re a salaried individual, self-employed professional, or a business owner, you can apply.
- Asset ownership: You must own eligible financial assets like shares, mutual funds, insurance policies (ULIPs or endowment plans), or bonds.
Eligibility may vary depending on the loan type and the financial institution.
Documents required for Rs. 30 lakh loan against securities
How to apply for Bajaj Finance loan against shares
To apply for a Rs. 30 lakh loan, you’ll need to keep the following documents ready:
1. KYC documents (any one from each category):
- Identity proof: Aadhaar card, PAN card, passport, driving license, or voter ID
- Address proof: Utility bill, Aadhaar, passport, or driving license
2. Other important documents:
- Income proof: Latest salary slips (for salaried), income tax returns (ITRs), or audited financials (for self-employed)
- Bank statements: Last 6 months to show regular income and transactions
- Investment proof: Statements or certificates confirming ownership of shares, mutual funds, bonds, or insurance policies
- Loan application form: Duly filled and signed, with all mandatory fields completed
Some lenders may ask for additional documents based on your profile or the specific loan product. For instance, if you are opting for an ESOP loan, vesting schedules or grant letters might be required.
How to apply for a Rs. 30 lakh loan against securities?
Features & Benefits for Bajaj Finance loan against shares
Applying for a Rs. 30 lakh loan has become a smooth and hassle-free process, especially when you are pledging investments. Here is how to go about it:
1. Pick the right loan – Choose a loan type that matches your asset: mutual fund loan, loan against shares, ESOP financing, or loan against fixed deposit.
2. Check your eligibility – Make sure you tick all the basic criteria like age, income, and investment ownership.
3. Get your documents in order – Keep digital copies of KYC, income, and investment documents ready.
4. Apply online or offline – Visit the lender’s website for a digital application or go to a branch if you prefer in-person assistance.
5. Verification and approval – Your documents will be reviewed. If everything checks out, the loan will be approved promptly.
6. Disbursal of funds – Once approved, the money is transferred directly to your account, often within 24 to 48 hours.
Want faster approvals and easy paperwork? Choose a loan against securities. Apply now
Benefits of taking a Rs. 30 lakh loan against securities
Eligibility criteria for Bajaj Finance loan against shares
Taking a secured loan using your investments comes with several compelling advantages:
- Lower interest rates – Since the loan is backed by your investments, lenders offer reduced interest compared to unsecured loans.
- No need to sell your assets – Your shares, mutual funds, or insurance policies remain intact and continue to grow.
- Fast disbursal – With fewer documents and digital processes, the loan can be disbursed in just a couple of days.
- Flexible repayment – You can choose from multiple EMI options, including interest-only or bullet repayment, depending on your financial plan.
- Minimal prepayment charges – Many lenders let you repay early with minimal charges, giving you more control over your debt.
- Continued returns – Your pledged assets may still earn dividends, returns, or bonuses even while they are under lien.
This makes it a smart choice when you need large sums, whether for business expansion, home renovation, overseas education, or medical expenses.
Is a ₹30 lakh personal loan different from a loan against securities?
Yes—a 30 lakh personal loan is unsecured and may carry a higher interest rate, while a loan against securities is secured by eligible investments and may offer a lower rate. The right option depends on your income, credit profile, available investments, and funding needs.
| Parameter | Personal Loan | Loan Against Securities |
|---|---|---|
| Collateral required | No; the loan is unsecured | Yes; eligible shares, mutual funds, or bonds are pledged |
| Interest rate | Typically 12–24% p.a. | Typically 8–15% p.a. |
| Approval basis | Credit score, income, and repayment capacity | Eligible asset value and applicable LTV ratio |
| Disbursal speed | May be completed within 24 hours | May take around 24–48 hours |
| Best for | Urgent needs when you do not have investments | Borrowers with eligible financial assets who want liquidity |
For a ₹30 lakh loan, compare the total borrowing cost, collateral risk, and eligibility before choosing either option.
Final thoughts
A Rs. 30 lakh loan against securities is ideal if you want fast access to funds without giving up your investments. With low interest rates, flexible repayment, and quick approval, it’s a smart way to meet large financial needs like education, healthcare, or business growth. Just make sure to compare the loan options available, check your eligibility, and use an online EMI calculator to plan better. Timely repayments will also help you build a strong credit profile.
Ready to unlock funds from your investments? Apply in just a few clicks.
Loan against your assets
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Frequently Asked Questions
General
How to get a 30 Lakh Loan immediately?
To get a Rs. 30 lakh loan instantly, apply online with a lender offering pre-approved or secured loans. Ensure a high credit score, stable income, and proper documentation for faster approval. Loans against investments like shares or mutual funds offer quick disbursal at lower interest rates.
What is the minimum salary for a 30 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 30 lakh 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 30 Lakh Loan per month?
Interest rates for a Rs. 30 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.
Who is eligible for a ₹30 lakh loan against securities?
You may be eligible for a ₹30 lakh loan against securities if you are aged 18–90 and own eligible financial assets, such as shares, mutual funds, bonds, or insurance policies. Unlike many unsecured loans, stable income may not be mandatory because the pledged assets support the loan. However, eligibility, asset valuation, and the approved loan amount depend on the lender’s criteria. Bajaj Finance assesses the eligible securities and applicable terms before approving the loan.
What is the LTV ratio for a ₹30 lakh loan against securities?
The LTV ratio for a ₹30 lakh loan against securities generally ranges from 50% to 80%, depending on the type and value of the pledged asset. FDs and certain bonds may qualify for higher LTV ratios because of their relatively stable value, while equities may receive lower LTV ratios due to market volatility. The lender determines the final loan amount after assessing the eligible asset value and applicable terms.
Can I get a ₹30 lakh loan without a CIBIL score?
Yes, for a loan against securities, eligibility is primarily asset-based rather than credit-score-based because eligible investments are pledged as collateral. However, the lender may still review your credit history, repayment profile, and other eligibility details. A good CIBIL score may improve the loan terms or approval prospects, but the value and type of pledged securities generally play a central role in determining the sanctioned amount.
What happens if my pledged securities fall in value?
If your pledged securities fall in value, the lender may issue a margin call because the loan amount could exceed the permitted LTV ratio. You may then need to make a partial repayment or pledge additional eligible securities to restore the required collateral value. If you do not meet the margin requirement within the specified period, the lender may sell some or all of the pledged securities to recover the outstanding dues, subject to the loan agreement.
Disclaimer
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