Whether it’s to cover an urgent expense, support a medical need, manage cash flow, or even meet a goal you have been putting off a small-ticket loan against securities offers a practical, low-interest solution without financial disruption.
Need Rs. 35,000 urgently? Borrow against your portfolio in just a few clicks no selling, no stress. Apply now
Why not just take an unsecured loan?
It’s a fair question, why go through a secured route for something as modest as Rs. 35000? Let’s quickly compare.Feature | Loan against securities | Unsecured loan |
Interest Rate | Starting from 8% - 15% p.a. | 13%–24% p.a. |
Disbursal Time | 24–48 hours | 3–7 days |
Documents Required | Minimal | Moderate |
Impact on Investments | None | May need liquidation later |
Credit Score Dependency | Lower | Higher |
Repayment Flexibility | High (up to 96 months or more) | Medium (1–5 years) |
In the time it takes to compare unsecured loan offers, you could already have Rs. 35000 disbursed, without touching your investments. Apply now
Real-life scenarios where Rs. 35000 can matter
It’s not always a big-ticket situation that triggers the need for funds. Here are common, everyday cases where Rs. 35000 can make a difference:- A sudden car repair or bike maintenance expense
- Medical diagnostics or short-term treatment for a family member
- Booking a travel ticket due to a personal emergency
- Paying for an online certification or short-term course
- Renovation or repair work that cannot wait
What is a loan against securities and how does it work?
A loan against securities (LAS) allows you to pledge your financial assets (like shares, mutual funds, bonds, or even insurance policies) as collateral in exchange for a loan.Here’s how it works in 3 simple steps:
- You choose the securities to pledge – only select instruments are allowed, based on the lender’s list.
- You receive a loan amount – typically up to 50%–90% of the asset’s value.
- You repay as per terms – EMIs or overdraft facility, depending on the loan structure.
Who is eligible for a Rs. 35000 loan against securities?
Getting a smaller-ticket LAS like a Rs. 35000 loan is surprisingly simple. You just need:- Age: Between 18 and 65 years
- Ownership: Valid securities in your name (shares, mutual funds, bonds, or life insurance policies)
- KYC compliance: PAN, Aadhaar, and other basic documents
- Income proof: For salaried or self-employed, if applicable (sometimes waived for LAS)
What documents are needed for a Rs. 35000 loan?
Minimal paperwork is one of the key benefits of LAS. Here’s what you’ll typically need:For identity and address proof:
- Aadhaar card, PAN card, Passport, or Driving License
For financial verification:
- Investment proof: Holding statement or folio number
Interest rates for different LAS variants
Even for a smaller loan like Rs. 35000, the interest rate is determined by the type of asset pledged. Here’s a quick reference table:Type of security | Interest rate | Tenure available |
Loan Against Shares | 8–15% p.a. | Up to 36 months |
Loan Against Mutual Funds | 8–15% p.a. | Up to 36 months |
Loan Against Bonds | 8–15% p.a.. | Up to 36 months |
Loan Against Insurance | Up to 24% p.a. | Up to 96 months |
ESOP Financing | Up to 15% p.a. | Up to 36 months |
Note: Exact rates vary by lender and asset quality. For LAS, you can get instant approval and competitive rates.
Because every financial gap deserves a cost-effective solution.
If you need a loan you don’t need to sell your investments or settle for high-interest loans. Get a LAS with just a few clicks instead. Apply now
How to apply for a Rs. 35000 loan?
Applying for a LAS of Rs. 35000 is as quick as checking your email. Here’s what to do:- Visit the lender’s website – Choose a provider offering LAS services
- Select the asset type – Choose whether you want to pledge shares, MFs, bonds, or policies.
- Upload documents – ID proof, investment proof, and address proof.
- Get approval – Once verified, the lender will assess the value and credit eligibility.
- Receive disbursal – The amount is credited directly to your account within 24–48 hours.
Benefits of borrowing Rs. 35000 via LAS
Here’s why LAS makes even more sense for smaller ticket loans:- No pressure to liquidate assets
- Lower interest than unsecured loans or credit cards
- Quick approval and minimal documentation
- You keep earning returns on your pledged investments
- Flexible repayment options (EMI or overdraft)
Final thoughts
A Rs. 35000 loan might seem small, but managing it wisely reflects your financial maturity. Instead of falling back on high-interest options or breaking long-term investments, LAS gives you flexibility, speed, and peace of mind. Whether it’s to tide over a short-term crisis or to fund a small dream, your securities can now do more than just sit pretty in your portfolio.Your assets already have value. It’s time they had purpose too. Get a loan of Rs. 35000 against your investments in 24–48 hours. Apply now