Rs. 5 Lakh Loan

Avail a Rs. 5 Lakh loan easily through shares, ESOPs, mutual funds, or insurance at competitive rates.
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3 mins read
17-January-2026

To get a loan of Rs. 5 lakhs against securities, you can leverage eligible financial assets such as shares, or mutual funds as collateral. The maximum loan amount available will depend on the value of your pledged securities and the lender's Loan-to-Value (LTV) ratio. Since this is a secured loan, the interest rates are generally lower than for unsecured loans.

Need Rs. 5 lakhs fast without touching your portfolio?
Get a loan against securities at competitive rates and keep your assets working for you. Apply now

4 ways to get a Rs. 5 lakh loan

Here is a quick look at the options available when you want to borrow Rs. 5 lakhs against your investments:

Loan product

Interest rate

Loan tenure

ESOP financing

15%

Up to 36 months

Loan against insurance

8% p.a. to 24%

Up to 96 months

Loan against mutual funds

8% to 12%

Up to 36 months

Loan against shares

8% to 12%

Up to 36 months


Have mutual funds or shares sitting idle? Unlock their value without selling. Borrow up to Rs. 5 lakhs quickly with a loan against securities. Apply now

Eligibility criteria for a Rs. 5 lakh loan

To qualify for a Rs. 5 lakh loan against investments, here is what you will need:

  • Age: Between 21 and 90 years

  • Income: A steady income from salary, business, or investments

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

  • Asset ownership: You must own investments such as shares, bonds, mutual funds, or a qualifying life insurance policy

Do note: Some lenders may have additional criteria, so it is a good idea to check individual policies before applying.

Looking for a higher loan amount? You may consider availing a loan of Rs. 50 lakh loan to meet your needs.

Loan Against Shares
Loan Against Mutual Funds

Documents required for a Rs. 5 lakh loan

Getting your paperwork in order helps speed up your loan approval. Here is what you will need:

1. KYC documents

  • PAN Card

  • Aadhaar Card, Voter ID, Driving license, or passport

2. Income documents

  • Salaried: Last 3 months’ salary slips

  • Self-employed: Last 2 years’ ITR

  • Bank statements: Last 6 months

3. Investment proof

  • Demat account statement (for shares, mutual funds, or bonds)

  • Insurance policy document (for ULIPs or endowment plans)

How to apply for a Rs. 5 lakh loan?

Applying for a loan against investments is easier than ever. Here is a quick step-by-step guide:

Step 1: Choose the right loan

Pick the loan type based on your current investments shares, mutual funds, bonds, or insurance.

Step 2: Compare terms

Look at interest rates, LTV ratio, and repayment flexibility across lenders.

Step 3: Fill in the application

Head to the lender’s website and complete the online application form with your basic and financial details.

Step 4: Upload your documents

Submit scanned copies of your ID, income proof, and investment records.

Step 5: Get funds disbursed

Once your documents are verified, the money is usually transferred within 24 to 48 hours.

Benefits of taking a Rs. 5 lakh loan against investments

Wondering why this type of loan might work better than a personal loan? Here is why:

  • Lower interest rates: Because you pledge an asset, lenders offer better rates than unsecured loans.

  • You keep your investments: No need to redeem your mutual funds or sell shares you continue earning returns.

  • Flexible repayment: Choose from tenures ranging from 1 year to 8 years depending on the product.

  • Quick approvals: With minimal paperwork, approvals often happen within hours.

  • Higher borrowing limits: Get up to 90% of your investment’s value, depending on the asset and lender.

  • Tax advantages: If you use the loan for business purposes, the interest may be tax-deductible.

Why break your investments for emergencies? Borrow smart with a loan against securities and get funds without disturbing your future plans. Apply now

What are the risks involved in taking a Rs. 5 lakh loan?

While a loan against investments offers flexibility and affordability, it’s important to be aware of the risks:

  • Market fluctuations: If the value of your pledged securities drops, the lender may issue a margin call, requiring additional collateral.
  • Possible asset liquidation: Failure to meet a margin call or repay on time can lead to the sale of pledged securities.
  • Interest accumulation: For compounding interest products, delays in repayment can significantly increase total cost.
  • Limited availability: Not all investments are eligible check asset class and policy type before applying.

By managing repayments responsibly and monitoring your portfolio, you can easily avoid these risks and enjoy the full benefits of secured borrowing.

Things to consider before taking Rs. 5 lakh loan against securities

A Rs. 5 lakh loan against securities offers quick liquidity without selling your investments. Before proceeding, keep these key points in mind:

  • Eligible securities and LTV: Loan amount depends on approved shares, mutual funds, or bonds and their loan-to-value ratio.
  • Market risk: Falling market prices can trigger margin calls, requiring additional funds or collateral.
  • Interest rate and charges: Rates are lower than unsecured loans but vary by security type and lender.
  • Repayment flexibility: Check tenure, interest calculation, and prepayment options.
  • Investment impact: Pledged securities cannot be freely sold or switched during the loan period.

Evaluating these basics helps you borrow Rs. 5 lakh confidently while keeping risks under control.

Final thoughts

Whether you need money for a medical emergency, a business idea, or your child’s education, a Rs. 5 lakh loan against investments can be a quick, smart, and cost-effective solution. You don’t lose ownership of your assets, and you keep earning on them while getting the funds you need. Just make sure you have a clear repayment plan and submit the required documents to avoid any delays. And do not forget to compare loan terms and choose the product that best suits your goals be it shares, mutual funds, bonds, or insurance policies.

Need Rs. 5 lakhs fast? Apply for a loan against securities and unlock funds in 24–48 hours without selling your investments. Apply now

Frequently asked questions

How to get 5 lakhs immediately?
To get Rs. 5 lakhs instantly, apply for a personal loan, loan against investments, or credit line from a bank or NBFC. Many lenders offer instant approval and same-day disbursal if you meet eligibility criteria and provide the required documents.

What is the minimum salary for a 5-lakh loan?
There is no minimum salary required for taking a loan against your investments. However, you will require investments which are approved by your lender to avail the loan.

What is the interest rate for 5 lakh loan?
Interest rates vary based on loan type and lender, typically ranging from 8% to 24% per annum. For example, Rs. 5 lakh loan with a 12-month tenure, the EMI can be around Rs. 45,000–50,000 at standard interest rates.

How to get a Rs. 5 lakh loan immediately?

You can apply online for a secured loan against your investments such as shares, mutual funds, bonds, or insurance policies. Fill out the digital form, upload your documents, and receive the funds within 24–48 hours after verification.

How much loan can I get against securities?

The loan amount depends on the market value of your pledged assets. Typically, lenders offer up to 50%–90% of the investment’s current value, depending on the type of security and prevailing market conditions.

What is the EMI for a Rs. 5 lakh loan?

What is the EMI for a Rs. 5 lakh loan?

The EMI amount varies based on interest rate and tenure. For example, at an average rate of 10% p.a. for 3 years, the monthly EMI would be around Rs. 16,000–17,000. Use loan against securities EMI calculator for exact estimates.

What fees and charges are associated with a Rs. 5 lakh loan?

Common charges include a processing fee (up to 4.72% of the loan amount), documentation or maintenance fees, bounce charges for missed EMIs, and penal interest for delayed payments. Check your lender’s fee schedule before applying.

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