Rs. 6 Lakh Loan

Get a Rs. 6 Lakh loan via ESOPs, bonds, mutual funds, shares, or insurance with fast processing, low interest, and flexible repayment options.
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Leverage your investments for funds!
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3 mins read
12-August-2025

Need urgent funds but do not want to break your investments? With a Loan Against Securities, you can unlock the value of your financial assets, like shares, mutual funds, or insurance policies while keeping them intact and growing. For example, by pledging your investments, you could access up to Rs. 6 lakh quickly and at a lower interest rate than an unsecured loan.

Want to know exactly how much you can get? Use a Loan Against Securities calculator to check your eligible amount instantly.

Turn your portfolio into instant purchasing power without selling a single unit. Explore now

5 ways to get a Rs. 6 lakh loan

Below are the 5 ways you can leverage to get a Rs. 6 lakh loan:

Loan product

Interest rate

Loan tenure

ESOP Financing

Up to 15% p.a.

Up to 36 months

Loan Against Bonds

8-15% p.a.

Up to 36 months

Loan Against Insurance Policy

Up to 24% p.a.

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


Choose the loan type that matches your needs and repayment comfort. Get started

Eligibility criteria for a Rs. 6 lakh loan

Getting a Rs. 6 lakh loan can be quick and hassle-free if you meet the lender’s eligibility norms. These criteria ensure you have the financial stability and security needed for smooth loan approval:

  • Age: Applicants should be between 18 and 65 years. This ensures you have the earning years to comfortably manage repayments.
  •  Income: A steady income from salary, business, or investments is essential to show repayment capacity and maintain financial credibility.
  • Employment status: Both salaried professionals and self-employed individuals can apply, provided they have proof of stable earnings.
  • Asset ownership: You must own eligible investments—such as shares, bonds, or insurance policies—that can be pledged as security for the loan.

Some lenders may also have additional conditions depending on the type of loan and the security offered. Meeting these upfront helps you avoid delays and increases your approval chances.

Loan Against Shares
Loan Against Mutual Funds

Documents required for Rs. 6 lakh loan

Before you start your loan application, having the right documents ready can make the process quicker and smoother. Here is what most lenders typically ask for:

  • KYC documents: Aadhaar card, PAN card, passport, driving licence, or voter ID.
  • Address proof: Utility bill, driving licence, passport, or Aadhaar card.
  • Income proof: Salary slips, income tax returns, or audited financial statements for business owners.
  • Bank statements: Last six months’ statements to show income and repayment ability.
  • Investment proof: Documents confirming ownership of shares, bonds, mutual funds, or insurance policies.
  • Loan application form: Completed and signed as per the lender’s format.

Depending on the loan type and lender’s policies, you might be asked for additional documents, so it’s best to check the specific requirements before applying.

How to apply for a Rs. 6 lakh loan?

Applying for a Rs. 6 lakh loan can be quick and straightforward if you follow these steps:

  1. Check your eligibility – Ensure you meet the lender’s basic criteria based on age, income, credit score, and existing debts.
  2. Choose the right loan type – Decide whether you prefer a personal loan, a secured loan, or a loan against investments.
  3. Compare interest rates – Look at offers from multiple lenders to secure the most affordable option.
  4. Prepare your documents – Keep KYC, income proof, and investment records ready to speed up processing.
  5. Apply online or offline – Submit your application digitally through the lender’s website or visit a branch.
  6. Verification process – The lender will review your documents, check your credit history, and assess the value of your investments.
  7. Approval and disbursal – Once approved, funds are usually transferred to your account within hours or a few days.
  8. Know your Loan to Value (LTV) – Most lenders offer between 50% and 90% of your investment’s value.

Apply with confidence get funds fast while keeping your investments secure. Get started

Benefits of Rs. 6 lakh loans against investments

Choosing a loan against investments instead of a personal loan can offer significant advantages:

  • Lower interest rates: Since the loan is secured, you often get more competitive rates than with unsecured borrowing.
  • Keep your investments intact: You continue to own your assets and benefit from potential returns.
  • Flexible repayment options: Choose between regular EMIs or bullet repayments based on your cash flow.
  • Faster processing: Minimal paperwork and collateral-backed security mean quicker approval.
  • Higher borrowing potential: Depending on your asset’s value, you could get up to 80–90% as a loan.
  • Easier eligibility: Lenders may have more flexible credit score requirements compared to personal loans.

Turn your investments into an instant source of low-cost funding without selling a single asset. Apply now

Conclusion

If you need Rs. 6 lakhs for personal or business needs, leveraging your investments could be the smartest move. A loan against securities like shares, mutual funds, bonds, or insurance policies lets you access funds quickly, often at a much lower interest rate than a unsecured loan. By comparing interest rates, checking your eligibility, and selecting the right repayment plan, you can enjoy the benefits of cost-effective financing, while keeping your portfolio intact and growing.

Unlock the hidden power of your investments borrow smart, pay less, and stay invested. Apply now

Frequently asked questions

How to get a 6 Lakh Loan immediately?
To get a Rs. 6 lakh loan instantly, apply online through a bank or NBFC, ensuring you meet the eligibility criteria. Choose a pre-approved or collateral-backed loan for faster approval. Keep your documents ready and maintain a high credit score. Processing time varies, but some lenders offer same-day disbursal.

What is the minimum salary for a 6 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 6 lakh 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 a 6 Lakh Loan per month?
Interest rates for a Rs. 6 lakh 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.

What are the options to get a Rs. 6 lakh loan using my investments?

You can get a Rs. 6 lakh loan by pledging financial assets like mutual funds, shares, insurance policies, or bonds. This is known as a Loan Against Securities (LAS), offering quick liquidity without needing to sell your investments.

Can I take a loan of Rs. 6 lakh against mutual funds or shares?

Yes, you can avail a Rs. 6 lakh loan by pledging mutual funds or shares. The loan amount depends on the asset value and the lender’s loan-to-value (LTV) ratio, usually ranging from 50% to 90% of the investment’s market value.

What is the interest rate for a Rs. 6 lakh loan against securities?

Interest rates for a Rs. 6 lakh loan against securities typically range between 8% to 15% p.a., depending on the type of security pledged, loan tenure, and lender policies. LAS usually carries lower interest than unsecured loans due to the pledged collateral.

How fast can I get Rs. 6 lakh by pledging my bonds or insurance?

If your bonds or insurance policy are eligible, you can get a Rs. 6 lakh loan in as little as 24 to 48 hours. Online applications with pre-verified documents and securities often lead to faster disbursals.

Is credit score mandatory for secured loans?

While not always mandatory, a good credit score strengthens your loan eligibility and may help secure better terms. Since the loan is secured by assets, lenders may approve it even with moderate credit, but repayment history is still considered.

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