Rs. 50000 Loan

Get a Rs. 50,000 loan using ESOPs, bonds, mutual funds, shares, or insurance, with easy application, low interest, and flexible repayment options.
APPLY NOW
Leverage your investments for funds!
APPLY NOW
3 mins read
15-May-2025

A Rs. 50,000 loan can help meet immediate financial needs, such as medical emergencies, education, home repairs, or business expansion. Many lenders in India offer quick and hassle-free loans, especially if you have investments like shares, or mutual funds. These secured loans come with lower interest rates and flexible repayment options, making them a smart choice for borrowers.

In this guide, we will explore different ways to get a Rs. 50,000 loan, eligibility criteria, required documents, application steps, and benefits. We will also provide an EMI calculation to help you plan your repayments better.

6 ways to get Rs. 50,000 loans

The following table outlines different loan options, their interest rates, tenure, and application links:

Loan product Interest rate Loan tenure Details and application link
ESOP Financing up to 15% p.a. Up to 36 months Learn more and apply for ESOP Financing
Loan Against Bonds Up to20% per annum Up to 36 months Learn more and 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 and apply for Loan Against Insurance Policy
Loan Against Mutual Funds 8-15% per annum Up to 36 months Learn more and apply for Loan Against Mutual Funds
Loan Against Shares 8-15% per annum Up to 36 months Learn more and apply for Loan Against Shares



These loans provide a simple way to access funds without liquidating your assets, ensuring financial stability.

Eligibility criteria for a Rs. 50,000 loan

To qualify for a Rs. 50,000 loan, you must meet certain eligibility requirements. These vary by lender but generally include:

  • 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

Lenders may have additional criteria depending on the loan type and security offered. This is based on Bajaj Finance loan against securities.

Loan Against Shares
Loan Against Mutual Funds

Documents required for Rs. 50,000 loan

To apply for a Rs. 50,000 loan, you need to provide the following documents:

Official Valid Documents (OVDs) for KYC:

  • Identity proof: Aadhaar, PAN, passport, driving license or Voter ID
  • Address proof: Utility bills, driving license, Passport, or Aadhaar card

Other documents:

  • Income proof: Salary slips, IT returns, or business financial statements
  • Bank statements: Last six months’ statements
  • Investment proof: Ownership documents for shares, bonds, mutual funds, or insurance policies
  • Loan application form: Completed and signed form as per lender’s requirement.

Additional documents may be needed based on the type of loan applied for.

How to apply for a Rs. 50,000 loan

Follow these steps to apply for a Rs. 50,000 loan:

  1. Choose a lender: Compare interest rates and loan terms from different banks and NBFCs.
  2. Check eligibility: Ensure you meet the lender’s requirements.
  3. Gather documents: Prepare the necessary KYC, income, and investment documents.
  4. Apply online or offline: Submit your loan application through the lender’s website or visit a branch.
  5. Verification process: The lender will review your application and documents.
  6. Loan approval and disbursal: Once approved, the loan amount is credited to your bank account.
  7. Loan to Value (LTV) - Lenders offer 50% to 90% of the investment’s value as a loan, ensuring substantial borrowing capacity.

Many lenders provide instant loan approvals, ensuring quick access to funds.

Benefits of Rs. 50,000 loans against investments

Taking a loan against your investments offers several benefits:

  • Lower interest rates: Secured loans have lower rates than personal loans.
  • No need to liquidate assets: Your investments continue growing while you access funds.
  • Quick processing: Faster approvals since your investments act as collateral.
  • Flexible repayment options: Choose tenure as per your financial convenience.
  • Minimal documentation: Fewer documents are required compared to traditional loans.

These advantages make loans against investments a cost-effective borrowing option.

Conclusion

A Rs. 50,000 loan is a great way to meet urgent financial needs without liquidating your investments. By pledging securities like, bonds, shares, or mutual funds, you can get quick approval, lower interest rates, and flexible repayment options. Ensure you meet eligibility criteria, prepare the necessary documents, and compare lenders before applying.

For hassle-free loan approval, apply through trusted financial institutions offering secured loans at competitive rates.

Explore Loan Against securities by Bajaj Finance Limited.

Frequently asked questions

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.

Show More Show Less

Related videos

Bajaj Finserv App for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.

Explore and apply for co-branded credit cards online.

Invest in fixed deposits and mutual funds on the app.

Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.

Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.

Apply for Insta EMI Card and get a pre-approved loan on the app. Explore over 1 million products on the app that can be purchased from a partner store on Low Cost EMIs.

Shop from over 100+ brand partners that offer a diverse range of products and services.

Use specialised tools like EMI calculators, SIP Calculators

Check your credit score, download loan statements, and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) 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.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.