When should you consider a Rs. 50 crore loan against securities?
A Rs. 50 crore loan against securities is ideal when you need immediate access to significant capital, but don’t want to sell off investments or trigger tax liabilities. If you are an HNI, business owner, or CXO dealing with strategic financial decisions, LAS gives you a smarter path.
Here’s when it’s most effective:
- Business acquisitions or M&A activity – Fund complex deals without equity dilution.
- Pre-construction or real estate funding – Use LAS for builder payments or land purchases.
- Private equity or strategic investments – Deploy capital without liquidating your core portfolio.
- Large tax settlements or margin calls – Get quick access to funds without disrupting market positions.
- Bridge financing or refinancing short-term liabilities – Manage temporary cash flow mismatches confidently.
The biggest benefit? You stay in control of your wealth. Your investments keep compounding, and you avoid market-timing errors that can hurt long-term returns.
4 ways to get a Rs. 50 crore loan
When applying for a Rs. 50 crore loan, the type of investment you pledge will determine your eligible amount, interest rate, and overall flexibility. Here’s a quick comparison to help you choose the right LAS product:
| Loan product |
Interest rate (p.a.) |
Tenure |
| Loan against mutual funds |
8–15% |
Up to 36 months |
| Loan against shares |
8–15% |
Up to 36 months |
| Loan against insurance |
Up to 24% |
Up to 96 months |
| Esop financing |
Up to 15% |
Up to 36 months |
Don’t break what you have built, instead borrow against it. Leverage your portfolio to raise Rs. 50 crores faster and more efficiently. Apply now
Eligibility criteria for a Rs. 50 crore loan
A Rs. 50 crore loan against securities is approved based on the value and quality of your pledged investments not your salary or business income. Here’s what you need to qualify:
- Age – You must be a legal adult, and in some cases, lenders may approve up to 75 years depending on the asset and tenure.
- Residency – You must be a resident Indian with address proof such as Aadhaar, passport, or utility bill. Overseas citizens are usually not eligible.
- Ownership – The investments pledged must be solely or jointly owned by the applicant, and proof of ownership is required during verification.
- Portfolio value – To raise Rs. 50 crore, your securities portfolio should meet the minimum value as per applicable Loan to Value (LTV) ratios.
- No income proof required – No salary slips, ITRs, or turnover documents are needed. The focus is entirely on the strength and liquidity of your portfolio.
Documents required for Rs. 50 crore loan
Applying for a Rs. 50 crore LAS is simple and largely paperless. Most lenders allow full online submissions:
- PAN card: Mandatory for KYC compliance, taxation, and linking your investments during verification.
- Address proof (Aadhaar/passport/ Voter ID/ Driving License/ NREGA Job Card/ Letter issued by National Population Register): Submit one valid document showing your current residential address as part of your KYC.
- Recent photograph: A recent photograph is required, usually uploaded during the application or e-signing process.
- Proof of investment (Demat, CAMS, ULIP, ESOP statement): Submit statements of your pledged securities to help lenders determine your LTV eligibility and ownership.
- Bank details (for loan disbursal): A cancelled cheque or account number ensures the sanctioned loan is transferred to your registered account.
How to apply for a Rs. 50 crore loan?
Getting a Rs. 50 crore loan is quicker than you might expect. The entire journey, from application to disbursal—can be completed online:
- Visit the LAS portal: Go to the lender’s official page to start your LAS application.
- Choose your investment type: Select the type of security you want to pledge—mutual funds, shares, ULIPs, ESOPs, or bonds.
- Enter basic KYC details (PAN, DOB, contact): Fill in your identification and contact details to initiate the onboarding process.
- Upload documents: Submit the required KYC and investment documents digitally via secure upload.
- Authorise digital pledge via NSDL, CAMS, or insurer: Use your Demat account, folio access, or insurance credentials to authorise the lien.
- Receive funds in 1–2 working days: Once approved and pledged, the Rs. 50 crore loan amount is disbursed directly to your bank account.
Move from approval to disbursal in 48 hours*, no branch visits required. Apply now
Benefits of Rs. 50 crore loan against investments
A Rs. 50 crore LAS offers smart liquidity while keeping your long-term investments untouched. Here’s why it works:
- Stay invested: Your mutual funds, shares, or bonds keep growing.
- Lower interest rates: Starting from 8% p.a. to 15% much cheaper than unsecured loans.
- Fast disbursal: Get funds within 24–48 hours with minimal paperwork.
- No foreclosure charges: Repay early without penalties.
- No income proof needed: Loan is based on portfolio, not salary or credit score.
- Flexible loan limits: Borrow as per your asset value and LTV eligibility.
- Revolving facility: Withdraw and repay as needed within your credit limit.
- No usage restrictions: Use funds for business, real estate, tax, or personal needs.
Interest rates and charges on Rs. 50 crore loan
For a Rs. 50 crore loan, the interest rate and charges are carefully structured based on the borrower’s profile, loan type, and collateral strength. Since the ticket size is high, even small differences in rates significantly impact overall repayment. Key factors and charges include:
- Interest rate – Varies depending on creditworthiness, loan tenure, and collateral provided.
- Processing fees – Usually a percentage of the loan amount or capped at a fixed limit.
- Prepayment charges – Applicable if the borrower repays before the agreed tenure.
- Commitment fees – May apply if the sanctioned limit is not fully utilised.
- Legal and valuation costs – Charged for due diligence, documentation, and asset verification.
- Other charges – Could include administrative fees, late payment penalties, or renewal charges for long tenures.
Conclusion
A Rs. 50 crore loan against securities is one of the most efficient ways to access large capital without compromising your long-term financial strategy. Whether you're planning a business acquisition, funding a real estate venture, or managing short-term liquidity for high-value opportunities, this loan gives you flexibility, speed, and control all while keeping your investments untouched and growing. With lower interest rates, no income proof required, and fast digital processing, a LAS empowers you to act without delay or disruption.
Why liquidate when your portfolio can fund your next big move? Get access to Rs. 50 crore instantly while your wealth keeps growing. Apply now
