₹25,000 - ₹25 Cr
Loan of up to 80% of policy value| Funding against policies under lock-in period
Overview
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When to consider a Rs. 50000 Loan Against Securities (LAS)?
In Summary
A 50000 loan against securities from Bajaj Finance can offer funding at interest rates of 8%–15% p.a., with disbursal typically taking 24–48 hours, subject to eligibility and approval.
- Collateral: A loan against shares may be available against listed equity shares, mutual funds, insurance policies and ESOPs.
- Interest rate: Rates generally range from 8%–15% p.a., depending on the pledged asset and tenure.
- Tenure: A loan against mutual funds, shares or ESOPs may have a tenure of up to 36 months, while insurance-backed loans may extend up to 96 months.
- Eligibility: Indian residents aged 21–90 years, whether salaried or self-employed, may apply with a minimum portfolio value of ₹50,000.
- Documentation: Income proof may not be required, as eligibility is assessed primarily on the value of the pledged securities.
Apply now for a loan against securities with Bajaj Finance.
While Rs. 50000 might not be a huge amount for some, it can be critical for:
- Covering an unexpected medical bill
- Funding a short training course or professional certification
- Making an urgent home repair
- Managing a lean business month without selling investments
- Paying off high-interest debt strategically
Your portfolio can be more than just long-term wealth it can be your short-term safety net too. Use it to unlock quick liquidity. Apply now
Benefits of a Rs. 50000 loan against securities
Here are the several benefits of borrowing through a loan against securities:
- Lower interest rates: As a secured facility, LAS offers interest rates starting as low as 8–15% p.a. much lower than most unsecured options.
- Fast processing: With your investments as collateral, approvals can happen in 24–48 hours* once documents are in order.
- Pay only for what you use: Interest is charged only on the withdrawn amount, not the total sanctioned limit.
- Preserve investment growth: Your assets continue to compound, while you meet your immediate financial needs.
- Flexible repayment: Repay the principal when convenient, while paying interest monthly.
If you need a slightly lower amount, you can also explore the Rs. 45000 loan option for similar benefits.
Types of securities you can pledge
How to Secure a Rs. 2 Crore Loan Against Securities Instantly
| Security type | Accepted assets |
| Mutual funds | Debt, equity, hybrid mutual funds |
| Shares | Listed equity shares |
| Insurance policies | Traditional (endowment) or ULIP policies |
| ESOPs | Employee Stock Option Plan holdings |
Note: Your eligible loan amount depends on the asset type and market value.
Interest rates and tenure across LAS options
| Loan product | Interest rate | Loan tenure |
| ESOP financing | Up to 14% | Up to 36 months |
| Loan against insurance | 8% p.a. to 12% | 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 |
*Simple interest for policies without lock-in; compound for those with lock-in.
Already have investments. You are just a few steps away from unlocking liquidity. Apply online in minutes
Eligibility criteria for a Rs. 50000 loan through Loan Against Securities
How to apply for Bajaj Finance loan against shares
To borrow Rs. 50,000 easily with minimal hassle, you must meet the following criteria:
- Nationality: Indian residents only
- Age: 21 to 90 years, wide access across life stages
- Employment: Salaried or self-employed—flexible eligibility
- Minimum portfolio value: At least Rs. 50,000 in eligible securities
These straightforward criteria mean that as long as your holdings are sufficient and you’re above 21, you’re well on your way toward a fast, secured Rs. 50,000 loans.
What documents do you need for a ₹50,000 LAS?
You need 3 types of documents to apply for a ₹50,000 Loan Against Securities (LAS) with Bajaj Finance: identity proof, address proof and documents related to the securities being pledged.
| Document category | Examples | Required for |
|---|---|---|
| Identity proof | PAN card, Aadhaar, Passport, Voter ID or Driving Licence | KYC verification |
| Address proof | Aadhaar, Passport, Voter ID, Driving Licence or utility bill | Residential address verification |
| Securities documents | Demat account details, mutual fund statements, insurance policy documents or ESOP records | Verifying and pledging eligible securities |
| Income proof | Not required for LAS | Eligibility is based on the pledged securities’ value |
How to apply for a 50000 loan against securities step-by-step?
Features & Benefits for Bajaj Finance loan against shares
Here is a clear roadmap to the online process:
- Select your lender – Choose a provider like Bajaj Finance with favorable terms.
- Check eligibility – Use their online calculator to estimate loan value based on your holdings.
- Start application – Hit 'Apply Now' and submit basic details online.
- Upload documents – Provide KYC, PAN, and demat statement.
- Pledge shares – Your listed securities are pledged through your Depository.
- Final verification – The lender validates documents and collateral.
- Loan disbursal – Funds reach your bank account, usually within 24–48 hours.
The same steps apply if you choose a higher ticket size like Rs. 65000 loan.
Who typically borrows Rs. 50000 through LAS?
- Small business owners: For short-term cash flow management.
- Professionals: To pay for courses, certifications, or urgent expenses.
- Families: For travel, home maintenance, or festive spending.
Because it’s a revolving credit, you can withdraw only what is required ideal if you might not use the full sanctioned limit.
What are the risks of a ₹50,000 loan against securities?
Eligibility criteria for Bajaj Finance loan against shares
The key risk of a ₹50,000 loan against securities is market volatility, which can reduce the value of your pledged assets and affect your Loan-to-Value (LTV) ratio.
- LTV breach: If the pledged securities’ value falls and the LTV ratio crosses the lender’s permitted threshold, a margin call may be issued.
- Additional collateral: You may need to pledge more eligible securities within the stipulated timeframe.
- Partial repayment: The lender may ask you to repay part of the outstanding loan to restore the required LTV.
- Forced liquidation: If the margin call is not met on time, the lender may sell pledged securities to recover the dues.
- Market recovery risk: Sold investments may no longer benefit if their market value rises later.
To manage these risks, maintain an LTV buffer and monitor the value of your pledged portfolio regularly.
Is LAS good for smaller amounts?
Yes, LAS is worth for getting smaller loan amounts because you:
- Borrow only what you need.
- Pay interest only on usage.
- Keep your investments intact.
Borrow smarter without compromising your future plans. Apply today for quick access to funds.
Final thoughts
A 50000 loan can be a small but crucial financial bridge when arranged wisely. With a loan against securities, you get the flexibility of a credit line, competitive interest rates, and the assurance that your portfolio remains untouched. Before opting for a high-interest unsecured loan or selling your assets, check your LAS eligibility. It could be the most cost-effective, convenient choice you make this year.
Your investments can help you in the present, without losing sight of the future. Start your LAS application today
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Frequently Asked Questions?
Fee & Charges
Eligibility
How to get 50000 immediately?
You can get Rs. 50,000 instantly through a personal loan, credit card loan, or loan against investments like shares, or mutual funds. Choose a lender with minimal documentation and quick approval for faster disbursal.
What is the minimum salary for a 50000 loan?
There is no minimum salary requirement to avail of a Rs. 50000 loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.
What is the interest rate for 50000 per month?
Interest rates for a Rs. 50000 loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.
How quickly can I get a Rs. 50,000 loan?
You can get a Rs. 50,000 loan within a few hours once your pledged securities are verified. The process is mostly digital, ensuring quick approval and instant disbursal to your bank account.
What assets can I pledge for this loan?
You can pledge shares, mutual funds, bonds, or insurance policies to secure your Rs. 50,000 loan. These assets act as collateral, allowing you to access funds without selling your investments.
Can I repay my Rs. 50,000 loan early without penalty?
Yes, most lenders allow you to repay your Rs. 50,000 loan early without prepayment penalties. This flexibility helps you save on interest and close your loan as per your financial convenience.
Are there any hidden charges or fees?
No, reputable lenders clearly disclose all charges upfront. However, you should check for processing fees, interest rates, and any applicable maintenance or transaction charges before availing the loan.
How is the interest rate calculated on a loan against securities?
Interest rates are calculated based on the type and value of the pledged securities, loan amount, and prevailing market rates. The higher the asset quality, the lower the interest rate tends to be.
Can I borrow multiple times against the same securities?
Yes, you can borrow multiple times through a revolving credit facility, depending on your drawing power. As you repay the amount, your limit gets restored, letting you withdraw funds again when needed.
What happens if my securities value falls during my loan tenure?
If the market value of pledged securities drops and breaches the required LTV, you may receive a margin call. You will need to add more securities or repay part of the loan to restore the balance.
Is income proof required for Rs. 50000 loan against securities?
In most cases, detailed income proof is not mandatory because the loan is secured against securities. Eligibility is primarily based on the quality, value, and liquidity of the pledged assets, along with basic KYC compliance.
How long does the approval and disbursal process take?
Approval is usually quick once KYC and security pledging are completed. In many cases, the loan is approved and disbursed within a few working hours, subject to verification and market conditions.
Can self-employed individuals apply for this loan?
Yes, self-employed individuals can apply. Since the loan is secured by securities, employment type plays a limited role, provided the applicant meets KYC norms and holds eligible, approved securities.
Can I get multiple loans against securities simultaneously?
You can avail multiple loans if you have separate, unencumbered securities available for pledging. Each loan is evaluated independently based on the value, eligibility, and existing pledges on your investment portfolio.
What is the minimum credit score required?
There is usually no strict minimum credit score requirement. However, a clean credit history helps with smoother approval, as lenders still assess overall repayment behaviour even though the loan is secured.
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company(BAJAJ FINANCE) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
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