If you are in urgent need of funds, be it for expanding your business, managing a medical emergency, funding higher education, or renovating your home, you don't necessarily have to sell off your long-term investments. A smarter option? Borrow against them. Loans against securities allow you to avail a Rs. 5 crore loan by using your financial assets like shares, bonds, mutual funds, or insurance policies as collateral. The result? You retain ownership of your investments while accessing the liquidity you need.
Did you know? Loans against securities can offer interest rates starting as low as 8% to 15% p.a., compared to 12–20% for unsecured personal loans.
These loans are not just high value, they’re high-speed too. Minimal paperwork, quick disbursal, and flexible tenure make them ideal for individuals who need immediate access to funds without losing long-term wealth.
Curious about your eligibility or how much you can get? Check now
Why choose a Rs. 5 crore LAS over traditional secured loans?
When you need substantial liquidity, choosing the right financing option can make a significant difference—not just in cost, but also in flexibility and speed. A Loan Against Securities (LAS) of up to Rs. 5 crore stands out as a smarter alternative to traditional secured loans like home loans or loans against property.
With LAS, you leverage your existing investments—such as shares, mutual funds, or bonds—without selling them. This means you continue to benefit from potential market growth while meeting your immediate financial needs. In contrast, traditional secured loans often involve lengthy approval processes, rigid repayment structures, and the risk of locking in large physical assets.
Another key advantage is speed and convenience. LAS is typically processed faster with minimal documentation, making it ideal for urgent liquidity needs, business expansion, or strategic investments. Plus, since your securities remain invested, you avoid disrupting your long-term wealth creation strategy.
| Parameters | Loan Against Securities (LAS) | Traditional Secured Loans (e.g., Loan Against Property) |
|---|---|---|
| Collateral | Financial assets (shares, mutual funds, bonds) | Physical assets (property, gold, etc.) |
| Loan amount | Up to Rs. 5 crore (depending on portfolio value) | Depends on property valuation |
| Processing time | Faster (often within days) | Slower (can take weeks) |
| Ownership of asset | Retained; investments stay in your name | Asset is pledged; may involve legal complexities |
| Liquidity impact | No need to liquidate investments | May require asset valuation and documentation |
| Interest rates | Generally competitive | Varies; often higher for unsecured portions |
| Repayment flexibility | Flexible (overdraft facility available) | Fixed EMIs |
| Market participation | Continue earning returns on investments | No parallel benefit from pledged asset |
| Documentation | Minimal | Extensive paperwork |
| Best suited for | HNIs, investors needing quick liquidity | Long-term funding needs |
In essence, a Rs. 5 crore LAS offers a powerful combination of liquidity, flexibility, and wealth continuity, making it a preferred choice for individuals who want funds without disrupting their investment journey.
4 high-value assets to leverage for a Rs. 5 crore limit
Here’s are the six secured loan types you can explore to raise Rs. 5 crore or more. These loan options offer better rates and terms than traditional unsecured loans:
| Loan product | Interest rate | Loan tenure | Details and application link |
| ESOP Financing | Up to 15% p.a. | Up to 36 months | Learn more and apply for ESOP Financing |
| Loan Against Insurance Policy | Up to 24% p.a. (Lock-in policies: compounding interest Lock-in free: simple interest) | Up to 96 months | Learn more and apply for Loan Against Insurance Policy |
| Loan Against Mutual Funds | 8–15% p.a. | Up to 36 months | Learn more and apply for Loan Against Mutual Funds |
| Loan Against Shares | 8–15% p.a. | Up to 36 months | Learn more and apply for Loan Against Shares |
Each of these options allows you to use your financial assets as collateral, so you don’t have to break long-term investments just to meet short-term goals.
Planning a major capital outlay but want to stay invested? A loan against securities helps you do both, access funds and stay in the market. Apply now
Who can apply for a Rs. 5 crore loan?
If you are pledging your investments to secure a high-value loan, most lenders keep the eligibility criteria simple and accessible:
- Eligibility criteria: Age: 21 to 90 years
- Nationality: Indian
- Employment status: Salaried or self-employed individual
- Investments: You must own shares, mutual funds, insurance policies, or bonds eligible for pledge
- KYC compliance: You must have valid and updated KYC documents
