Get a ₹5 crore loan against securities

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:

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

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

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

1. KYC documents: PAN card, Aadhaar card, Passport, Voter ID (for address proof)
2. Investment proof: Demat account statement for shares or bonds, mutual fund statement or folio number, Insurance policy document (for loans against life insurance)
3. Other documents: Bank account details, passport-size photograph, duly filled loan application form

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:

1. Visit the lender’s LAS page: Start by visiting the lender’s Loan Against Securities portal.
2. Select your security type: Choose what you want to pledge mutual funds, shares, or insurance.
3. Check eligibility: Use the online eligibility tool to find out how much loan you can get based on your investment value.
4. Submit basic details: Enter your personal and contact details along with PAN and Aadhaar information.
5. Link your demat / investment account: This lets the lender verify your holdings digitally. No manual uploads needed in most cases.
6. Get approval and sign the agreement: Once your investments and documents are verified, review your loan offer, accept the terms, and sign digitally.
7. Loan disbursal: Post-verification, the loan amount (up to Rs. 5 crore) is credited directly to your account, often within 24–48 hours.

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

Here are some key risks to consider before opting for a Rs. 5 crore loan:

• High EMIs: Large repayments can strain monthly finances.
• Rate hikes: Floating interest rates may increase costs.
• Collateral risk: Pledged assets may be seized on default.
• Credit score dip: Missed EMIs hurt your credit profile.
• Liquidity issues: Heavy EMIs reduce cash for other needs.
• Market volatility: For secured loans, asset value drops may trigger margin calls.

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