Rs. 5 Crore Loan

Get a Rs. 5 crore loan using ESOPs, bonds, mutual funds, shares, or insurance with an easy process, attractive interest rates, and flexible repayment plans.
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Get a loan while your investments keep growing!
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3 mins read
15-May-2025

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

6 ways to get Rs. 5 crore loans

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 Bonds Up to 20% p.a. Up to 36 months Learn more and apply for Loan Against Bonds
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: 18 to 65 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

Quick tip: If your securities are held in a demat account or registered folio, the loan process becomes even smoother and faster.

Loan Against Shares
Loan Against Mutual Funds

Documents required for a Rs. 5 crore loan

Minimal documentation is one of the biggest advantages of loans against securities. Here’s what you will typically need:

KYC documents:PAN card,Aadhaar card, Passport, Voter ID (for address proof)

Investment proof:Demat account statement for shares or bonds, mutual fund statement or folio number, Insurance policy document (for loans against life insurance)

Other documents:Bank account details, passport-size photograph, duly filled loan application form

How to apply for a Rs. 5 crore loan?

Applying for a large-ticket loan against securities is fast and paperless with most lenders today. Here’s how the journey typically works:

Step-by-step application process:

Visit the lender’s LAS page

Start by visiting the lender’s Loan Against Securities portal.

Select your security type

Choose what you want to pledge — mutual funds, shares, bonds, or insurance.

Check eligibility

Use the online eligibility tool to find out how much loan you can get based on your investment value.

Submit basic details

Enter your personal and contact details along with PAN and Aadhaar information.

Link your demat / investment account

This lets the lender verify your holdings digitally. No manual uploads needed in most cases.

Get approval and sign the agreement

Once your investments and documents are verified, review your loan offer, accept the terms, and sign digitally.

Loan disbursal

Post-verification, the loan amount (up to Rs. 5 crore) is credited directly to your account, often within 24–48 hours.

Benefits of Rs. 5 crore loans against investments

Let’s break down why this is a preferred route for savvy borrowers:

Lower interest rates: Because it’s backed by collateral, you get better rates than personal loans

Quick processing: With minimal documentation, approvals can be lightning fast

No asset liquidation: You stay invested and continue earning returns while using those assets as security

Flexible tenure: Ranges from 12 to 60 months

High LTV (Loan-to-Value): Depending on the asset, lenders may offer 50%–90% of its value

Customised loan structure: Some lenders let you choose between overdraft or term loan formats

Need liquidity without disrupting your portfolio? A Rs. 5 crore LAS gives you the breathing room to manage big-ticket expenses without the stress. Explore loan against securities now

Conclusion

A Rs. 5 crore loan against investments is not just a funding solution, it’s a smart financial move. You retain your assets, enjoy better interest rates, and avoid unnecessary stress. Before applying, compare offers, understand LTV ratios, and choose a lender with flexible repayment terms. It’s not just about getting funds, it’s about doing it smartly.

Your investments can do more than just grow wealth. They can power your ambitions today, without compromising tomorrow. Apply now

Frequently asked questions

How to get a Rs. 5 Crore Loan immediately?
To secure a Rs. 5 crore loan promptly, maintain a high credit score, stable income, and minimal existing debts. Approach lenders offering large loans with quick processing like Bajaj Finance Limited.

What is the minimum salary for a Rs. 5 Crore loan?
There is no minimum salary requirement to avail of a Rs. 5 crore 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 Rs. 5 Crore Loan per month?
Interest rates for a Rs. 5 crore loan start from approximately 8.25% per annum. Monthly interest depends on the lender's terms and prevailing market rates.

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