Rs. 35 lakh Loan

Life can throw big financial needs your way, whether it's expanding your business, funding a family wedding, or managing a sudden opportunity. But liquidating your hard-earned investments isn't the only option anymore. If you are looking for a smarter, faster, and more cost-effective way to raise a Rs. 35 lakh loan, a Loan Against Securities (LAS) could be your perfect solution.

When plans get bigger, your investments can quietly step in, without missing a beat. Borrow against your securities and keep your future intact. Apply now

Why consider a loan against securities for Rs. 35 lakh?

Borrowing against your existing investments like shares, mutual funds, bonds, or insurance policies offers a way to access immediate funds without having to sell off your assets.
Here's why Rs. 35 lakh loan against securities makes perfect sense:

• Preserve your portfolio: You stay invested and continue to earn returns while using the value of your securities as collateral.
• Lower interest rates: Typically starting from 8-15% per annum, far more affordable than unsecured loans.
• Faster processing: Funds can be disbursed within 24–48 hours of approval.
• Flexible repayment: Choose a repayment plan that matches your cash flows, from 12 months up to 96 months.

Why rush to sell your future when you can borrow from its strength today? Apply for a LAS and bridge your needs with confidence.

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

Meeting basic eligibility ensures faster approval. Here's what most lenders require:

• Age: 18–65 years
• Employment: Salaried, self-employed, or business owner
• Income: Proof of stable income
• Investments: Ownership of acceptable securities like shares, mutual funds, bonds, or insurance policies

Some lenders may have additional criteria based on the type of securities pledged.

Documents required for a Rs. 35 lakh loan

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, bonds, mutual funds, or insurance
• Loan application form: Completed and signed

How to apply for a Rs. 35 lakh loan against securities?

Applying for LAS is simple and mostly online. Here’s the process:

1. Choose the right lender: Compare interest rates, tenure, and eligible securities.
2. Check eligibility: Review lender’s basic eligibility criteria.
3. Gather documents: Prepare all necessary documents to avoid delays.
4. Apply online: Fill in the form, upload your documents, and submit your request.
5. Verification and approval: The lender verifies your investments and documents.
6. Loan disbursal: Upon approval, funds are credited to your account within 24–48 hours.

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

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