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.
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