If you are looking for a quick and reliable way to raise Rs. 5 lakhs, you don’t always have to turn to a personal loan or break your investments. There is a smarter option a loan against your existing investments like shares, bonds, mutual funds, or even an insurance policy. With this type of loan, you can access funds without selling your assets. The best part? Your investments continue to earn returns while you enjoy lower interest rates and flexible repayment options.
Let us explore six effective ways to get a Rs. 5 lakh loan, check the eligibility criteria, documents required, and how to apply in a few easy steps. You will also find a helpful comparison table to guide your decision.
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6 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 |
Up to 15% p.a. |
Up to 36 months |
Loan against bonds |
Up to 20% p.a. |
Up to 36 months |
Loan against insurance |
Up to 24% p.a. (Compounding for lock-in policies, Simple for lock-in free) |
Up to 96 months |
Loan against mutual funds |
8% – 15% p.a. |
Up to 36 months |
Loan against shares |
8% – 15% p.a. |
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 18 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.