Rs. 5 Lakh Loan

Get a Rs. 5 Lakh loan easily through ESOPs, bonds, mutual funds, shares, or insurance—at great rates and flexible terms.
Leverage your investments for funds!
3 mins read
22-July-2025

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.

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

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.

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

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.

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