Loans against investments offer a quick and cost-effective way to access funds without liquidating assets. If you need Rs. 5 lakhs, borrowing against your existing shares, bonds, or mutual funds can be a smart move. These loans typically offer lower interest rates than personal loans and allow you to continue earning returns on your investments.
Many lenders in India provide Rs. 5 lakh loans against investments with attractive interest rates and flexible repayment terms. Whether you need funds for business expansion, medical emergencies, education, or personal expenses, these secured loans can provide a reliable financial cushion.
This guide explores six different ways to get a Rs. 5 lakh loan, the eligibility criteria, the documents required, and a step-by-step application process. You’ll also find a comparison of EMIs across loan types to help you choose the best option for your needs.
6 ways to get a Rs. 5 lakh loan
Loan product | Interest rate | Loan tenure | Details and application link |
ESOP Financing | up to 15% p.a. | Up to 36 months | Learn More & Apply for ESOP Financing |
Loan Against Bonds | Up to20% per annum | Up to 36 months | Learn More & Apply for Loan Against Bonds |
Loan Against Insurance Policy | Up to 24% p.a.(In case of lock-in policies, compounding interest will be chargedIn case of lock-in free policies, simple interest will be charged) | Up to 96 months | Learn More & Apply for Loan Against Insurance Policy |
Loan Against Mutual Funds | 8-15% per annum | Up to 36 months | Learn More & Apply for Loan Against Mutual Funds |
Loan Against Shares | 8-15% per annum | Up to 36 months | Learn More & Apply for Loan Against Shares |
Eligibility criteria for a Rs. 5 lakh loan
To qualify for a Rs. 5 lakh loan against investments, applicants must meet the following criteria:
- Age: 18 to 65 years
- Income: Stable income source from salary, business, or investments
- Employment status: Salaried or self-employed professionals/business owners
- Asset ownership: Existing investments in bonds, shares, or insurance
Each lender may have additional eligibility conditions, so checking individual lender policies before applying is important.