Looking for a Rs. 30 lakh loan to fund your child’s education, expand your business, renovate your home, or manage medical expenses? Instead of dipping into your savings or selling investments, consider taking a loan against securities. It’s a smart and affordable way to access high-value funds without losing ownership of your assets. These loans are secured against investments like shares, bonds, mutual funds, or insurance policies. Because they are backed by collateral, they often come with lower interest rates, faster approvals, and flexible repayment terms.
Need quick funds without selling your assets? Get a secured loan against securities today. Apply now
6 ways to get Rs. 30 lakh loans
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
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.
