Rs. 40 Lakh Loan

Get a Rs. 40 Lakh loan using ESOPs, bonds, mutual funds, shares, or insurance, with quick disbursal, competitive rates, and flexible repayment terms.
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3 mins read
12-August-2025

Need funds for a big purchase, business expansion, medical treatment, or home renovation? A Rs. 40 lakh loan can help you get there without dipping into your savings. Many lenders in India offer secured loans against your assets, such as shares, mutual funds, or insurance policies, so you don’t have to sell them. These loans usually have lower interest rates, flexible repayment options, and quick approval, making them a practical choice when you need large-ticket funding fast.

Leverage your investments to access Rs. 40 lakhs quickly and at competitive rates. Apply now

6 ways to get Rs. 40 lakh loans

Explore multiple loan options to match your assets, repayment capacity, and financial goals.

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. (Lock-in: compounding interest; Lock-in-free: simple interest)

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


Pick the loan type that fits your asset and get fast approval with minimal hassle.

Eligibility criteria for a Rs. 40 lakh loan

Before you start the process, it’s important to know if you qualify for a Rs. 40 lakh loan.

To qualify for a Rs. 40 lakh loan, applicants must meet specific eligibility criteria set by lenders. These typically include:

  • Age: 18 to 90 years
  • Income: Stable income source from salary, business, or investments
  • Employment status: Salaried or self-employed professionals/business owners
  • Asset ownership: Existing investments in bonds, shares, or insurance

Lenders may have additional criteria depending on the loan type and security offered.

Loan Against Shares
Loan Against Mutual Funds

Documents required for Rs. 40 lakh loan

Having your paperwork ready can make the loan process faster and smoother. When applying for a Rs. 40 lakh loan, the following documents are generally required:

Official Valid Documents (OVDs) for KYC:

  • Identity proof: Aadhaar, PAN, passport, driving licence or Voter ID
  • Address proof: Utility bills, driving licence, passport, or Aadhaar card

Other documents:

  • Income proof: Salary slips, IT returns, or business financial statements
  • Bank statements: Last six months’ statements
  • Investment proof: Ownership documents for shares, bonds, mutual funds, or insurance policies
  • Loan application form: Completed and signed form as per lender’s requirement

Additional documents may be needed based on the type of loan applied for.

How to apply for a Rs. 40 lakh loan?

Applying for a loan does not have to be complicated. Follow these steps for a smooth experience:

  1. Assess your eligibility: Review the lender's criteria to ensure you meet the necessary requirements.
  2. Choose the loan type: Decide on the appropriate loan product based on your assets, such as shares or mutual funds.
  3. Gather required documents: Collect all necessary documents, including identity proof, address proof, income proof, and details of the asset to be pledged.
  4. Submit the application: Fill out the application form accurately and submit it along with the required documents, either online or at the lender's branch.
  5. Verification process: The lender will verify the submitted documents and assess the value of the pledged asset.
  6. Loan approval and disbursement: Upon successful verification, the loan will be approved, and the funds will be disbursed to your account.
  7. Loan to Value (LTV): Lenders offer 50% to 90% of the investment’s value as a loan, ensuring substantial borrowing capacity.

Benefits of Rs. 40 lakh loans against investments

Here is why pledging your assets for a loan can be a smart financial move:

  • Retain ownership: Continue holding your investments and earning returns, even while they are pledged as collateral.
  • Lower interest rates: Enjoy more affordable borrowing costs compared to many unsecured loan options.
  • Flexible repayment: Select repayment schedules and tenures that best match your cash flow.
  • Quick processing: Get faster approvals and disbursals thanks to the security provided by your investments.
  • No prepayment penalties: Repay early without worrying about additional charges or hidden fees.

Turn your investments into an instant source of liquidity without giving them up. Apply now

Conclusion

Getting a Rs. 40 lakh loan against your investments is a smart, strategic way to manage large expenses without liquidating valuable assets. By choosing the right loan type, meeting eligibility criteria, and preparing the necessary documents, you can unlock funds quickly, often at competitive rates and on favourable terms.

Convert your shares, bonds, or mutual funds into quick funds without selling them. Apply now

Frequently asked questions

How to get a 40 Lakh Loan immediately?
You can get a Rs. 40 lakh loan quickly by applying for a loan against investments like shares, mutual funds, or insurance policy. Ensure you meet the eligibility criteria, submit required documents, and apply online for faster approval and disbursement. Choose lenders offering quick processing and minimal documentation.

What is the minimum salary for a 40 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 40 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 40 Lakh Loan per month?
Interest rates for a Rs. 40 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.

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