Ways to use a Rs. 35 lakh loan against securities
Wondering where a Rs. 35 lakh LAS can help you? Here are a few real-world scenarios:
- Business expansion: Fund new equipment, expand operations, or boost inventory without draining your savings.
- Higher education: Pay for overseas courses or advanced degrees for yourself or your children without breaking long-term investments.
- Medical emergencies: Cover immediate healthcare expenses with ease.
- Property investments: Use the funds for down payments or renovations without disturbing your investment portfolio.
Big dreams should not be postponed for lack of liquidity. Let your investments support you at every step. Get a loan against securities
Why not opt for unsecured loans?
You might wonder, why not just take a personal loan? Here’s a quick comparison:
| |
Loan against securities |
Unsecured loan |
| Interest rate |
Lower (starting 8–15%) |
Higher (13–20%) |
| Processing time |
24–48 hours |
3–7 days |
| Documentation |
Minimal |
Moderate |
| Impact on portfolio |
None |
May require future liquidation |
| Maximum tenure |
Up to 7–8 years |
Up to 5 years |
In the time it takes others to apply for unsecured loans, you could already be funded, on better terms. Choose smarter liquidity. Apply for LAS
Eligibility criteria for a Rs. 35 lakh loan against securities
Meeting basic eligibility ensures faster approval. Here's what most lenders require:
- Age: 21–65 years
- Employment: Salaried, self-employed, or business owner
- Income: Proof of stable income
- Investments: Ownership of acceptable securities like shares, mutual funds, or insurance policies
Some lenders may have additional criteria based on the type of securities pledged.
Applicants with modest funding requirements can apply for a Rs. 16 lakh loan
Documents required to avail Rs. 35 lakh LAS
Keep these documents handy for a smooth application process:
- Identity proof: Aadhaar card, passport, driving license, or Voter ID
- Address proof: Utility bill, Aadhaar, passport, or driving license
- Income proof: Salary slips, IT returns, or business financials
- Bank statements: Last 6 months
- Investment proof: Statements showing ownership of shares, mutual funds, or insurance
- Loan application form: Completed and signed
Understanding Loan-to-Value (LTV) for your Rs. 35 lakh loan
The Loan-to-Value (LTV) ratio determines how much you can borrow against your pledged securities. It’s the percentage of your investment’s current market value that a lender offers as a loan.
- Definition: LTV = (Loan amount ÷ Market value of securities) × 100
- Purpose: Keeps the loan amount within safe limits compared to your collateral’s value.
- Typical range: Usually 50%–80%, depending on the security type (shares, mutual funds, bonds).
- Market impact: If your securities’ value drops, you may need to top up collateral or repay partially.
- Example: Pledge securities worth Rs. 50 lakh at 70% LTV to get a loan of Rs. 35 lakh.
How to apply for a Rs. 35 lakh LAS?
Applying for LAS is simple and mostly online. Here’s the process:
- Choose the right lender: Compare interest rates, tenure, and eligible securities.
- Check eligibility: Review lender’s basic eligibility criteria.
- Gather documents: Prepare all necessary documents to avoid delays.
- Apply online: Fill in the form, upload your documents, and submit your request.
- Verification and approval: The lender verifies your investments and documents.
- Loan disbursal: Upon approval, funds are credited to your account within 24–48 hours.
Require a lower amount, you can consider a Rs. 30 lakh loan
Benefits of taking a Rs. 35 lakh LAS
Choosing a loan against securities offers several advantages:
- Stay invested: Retain your investments while accessing liquidity.
- Cost-effective: Lower interest rates compared to personal loans or credit cards.
- Flexible usage: No restrictions on how you use the funds.
- Higher loan amount: Based on the value of your securities, lenders may offer up to 90% of the value.
- Overdraft facility: Some LAS offerings provide an overdraft, where you pay interest only on the amount you withdraw.
With the right credit strategy, even urgent needs don't need to disrupt your financial journey. Leverage your assets wisely. Explore LAS options
Why choose loan against securities for a Rs. 35 lakh loan?
When you need a sizeable amount like Rs. 35 lakh, selling long-term investments can disrupt your financial plans and trigger taxes. A loan against securities lets you unlock liquidity while continuing to stay invested. Here’s why it works well for this loan size:
Lower interest cost than unsecured loans: Since the loan is backed by your shares, mutual funds, or bonds, interest rates are usually lower compared to personal or business loans, making large borrowing more affordable.
No need to sell your investments: Your securities remain in your name and can continue to generate returns. You get funds without exiting the market or disturbing long-term wealth creation.
Higher eligibility for large amounts: A Rs. 35 lakh requirement is easier to meet when backed by a diversified investment portfolio, especially if you hold high-quality, approved securities.
Flexible repayment structure: You typically pay interest only on the amount used, with options to repay or part-prepay based on cash flow ideal for managing a mid-to-high loan amount.
Quick access to funds: Digital pledging and faster approvals help you receive funds quickly, which is useful when the Rs. 35 lakh is needed for time-sensitive personal or business needs.
Versatile end-use: The loan can be used for business expansion, education, medical expenses, or other planned needs (excluding restricted activities), offering flexibility without usage constraints.
Final thoughts
A Rs. 35 lakh loan against securities can give you the financial breathing room you need, without touching your long-term investments. Whether it's for business, education, healthcare, or personal milestones, LAS offers a cost-effective, flexible, and smart way to manage large expenses. Before you apply, take time to compare lenders, review their terms, and ensure the collateral fits your liquidity goals.
Your investments have already built your future. Why not let them support your today as well? Move closer to your goals. Apply for a LAS today
