Rs. 40000 Loan

Get a Rs. 40,000 loan through ESOPs, bonds, mutual funds, shares, or insurance with quick process, affordable interest rates, and flexible repayment options.
APPLY NOW
Leverage your investments for funds!
APPLY NOW
3 mins read
26-August-2025

Need money in a hurry? Maybe it’s an unexpected hospital bill, your child’s education fees, or even a short-term financial gap. In such moments, arranging funds quickly becomes your top priority. Many people think of personal loans first, but did you know there is a smarter way? By taking a Rs. 40000 loan against your existing investments, you can unlock instant liquidity without selling your assets. This way, your shares, mutual funds, or insurance policies keep working for your long-term growth, while you get the cash you need today.

Why sell your assets in an emergency? Pledge them instead and raise a quick Rs. 40000 loan while keeping your investments intact. Apply now for a loan against securities

6 ways to get Rs. 40000 loan

Here are some popular options to secure a Rs. 40000 loan through different types of investments:

Loan product

Interest rate

Loan tenure

ESOP Financing

Up to 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

Note: Rates are indicative and may vary depending on lender policies.

Looking for the cheapest Rs. 40000 loan? Compare rates across securities and pick the option that suits you best. Explore now

Eligibility criteria for a Rs. 40000 loan

To qualify for a Rs. 40000 loan, most lenders will require you to meet these conditions:

  • Age: Between 18 and 90 years

  • Income: Must have a steady income from salary, business, or investments

  • Employment: Salaried professionals, business owners, or self-employed individuals are eligible

  • Assets: You must own eligible investments such as mutual funds, shares, bonds, or insurance policies

Some lenders may also check your repayment capacity and credit history before approving the loan.

Already own shares or mutual funds? You can unlock them today and raise a quick Rs. 40000 loan without selling. Apply now

Documents required for a Rs. 40000 loan

Getting quick approval is easier if you have all the required documents ready. Typically, you’ll need:

  • Identity proof: Aadhaar, PAN, passport, driving licence, or voter ID

  • Address proof: Aadhaar, passport, driving licence, or utility bills

  • Income proof (if asked): Salary slips, bank statements, or ITRs

  • Investment proof: Mutual fund statements, demat account holdings, or insurance documents

For secured loans, your securities act as the main proof, which often reduces the need for heavy documentation.

Loan Against Shares
Loan Against Mutual Funds

How to apply for a Rs. 40000 loan?

Here is a step-by-step guide to make the process simple:

  1. Choose loan type: Decide between unsecured personal loans or secured loans against investments.

  2. Compare lenders: Look at interest rates, processing fees, and repayment flexibility.

  3. Check eligibility: Use online calculators to confirm whether you qualify.

  4. Prepare documents: Keep ID, income proof, and investment statements ready.

  5. Apply online or offline: Submit the application through the lender’s website or visit their branch.

  6. Verification: Lenders assess your securities and repayment capacity.

  7. Loan disbursal: Once approved, funds are credited—often within 24 to 48 hours.

Benefits of Rs. 40000 loans against investments

Here is why secured loans are often better than personal loans:

  • Lower interest rates: Since you pledge assets, lenders charge less than on unsecured loans.

  • Flexible repayment: Tenures can stretch up to 5 years for easy EMIs.

  • No income proof sometimes needed: Many lenders approve based on securities alone.

  • Faster approval: Pledged assets mean simpler and quicker checks.

  • Retain ownership: Your investments remain in your name and continue to earn returns.

  • Higher borrowing limit: Depending on the asset, you can get 50–90% of its value as a loan.

Do not compromise your financial future, choose a Rs. 40000 loan against securities and keep your investments safe. Apply now

Things to check before applying

Before applying, consider:

  • Loan-to-Value (LTV) ratio offered by the lender

  • Processing and foreclosure charges

  • Interest calculation method (monthly or compounding)

  • Flexibility to repay early without penalties

  • How market changes might affect your pledged assets

Common mistakes to avoid

  • Borrowing more than you need when Rs. 40000 is enough

  • Pledging all securities instead of a portion

  • Not comparing lenders for the best deal

  • Ignoring foreclosure terms and hidden fees

  • Delaying EMI payments, which may affect your credit score

Conclusion

Getting a Rs. 40000 loan in India is easier than most people think. Instead of taking a costly personal loan, you can unlock the value of your investments through loans against mutual funds, shares, bonds, or insurance policies. These loans not only come with lower interest rates but also let your assets continue to grow while you use the money for urgent needs.

Need urgent cash without giving up your investments? Apply for a Rs. 40000 loan against securities today and enjoy quick liquidity with long-term growth. Apply for a loan against securities today!

Frequently asked questions

How to get a 40000 Loan immediately?
To get a Rs. 40,000 loan instantly, apply online with a bank or NBFC offering personal or secured loans. Choose a lender with minimal documentation and quick approval. Ensure you meet eligibility criteria and have necessary documents ready for faster processing. Loans against investments may offer quicker approvals.

What is the minimum salary for a 40000 loan?
There is no minimum salary requirement to avail of a Rs. 40000 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 40000 Loan per month?
Interest rates for a Rs. 40000 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.

Show More Show Less

Related videos

Bajaj Finserv App for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.

Explore and apply for co-branded credit cards online.

Invest in fixed deposits and mutual funds on the app.

Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.

Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.

Apply for Insta EMI Card and get a pre-approved loan on the app. Explore over 1 million products on the app that can be purchased from a partner store on Low Cost EMIs.

Shop from over 100+ brand partners that offer a diverse range of products and services.

Use specialised tools like EMI calculators, SIP Calculators

Check your credit score, download loan statements, and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.