Rs. 60 lakh Loan Against Securities

A loan of this size typically suits:

• Business owners looking to scale operations
• Professionals funding a large personal or family goal
• Individuals with high-value assets but a temporary liquidity crunch
• HNIs seeking strategic funding without eroding portfolios

Did you know? Borrowing against securities does not interrupt your capital gains or dividends. You continue to earn even while your investments are pledged.

Here is a look at the typical interest rates and tenures for various types of LAS:

Note: These rates may vary based on the lender, and asset value.

Unlike unsecured loans, LAS does not base your eligibility only on income or credit score. It factors in the strength of your portfolio, which gives you more borrowing power if you’ve built your investments well.  With the Loan-to-Value (LTV) ratio going as high as 90% for certain securities, your existing investments can easily fetch you Rs. 60 lakh or more, without selling even a unit.

Eligibility for this loan hinges on a few simple conditions:

• Age: 21 to 90 years (at loan maturity)
• Income source: Salaried, self-employed, or business owners
• Investments: Should hold eligible securities such as mutual funds, shares, bonds, or insurance policies

Your eligibility may be stronger than you think, especially if your investments have been steady. Check your eligibility and apply

Keep these documents handy for a smooth approval process:

• KYC documents: 
• PAN

Any one of the Officially Valid Documents (OVDs): Aadhaar, Voter ID Card, Passport, Driving License, NREGA Job Card, Letter issued by the National Population Register

• In case current address is not available on OVD, any one of the deemed to be officially valid document: Utility bill, Property or Municipal tax receipt, Pension or Family Pension Payment Orders (PPOs), Letter of Allotment of Accommodation from Employer issued by State Government or Central Government Departments, Statutory or Regulatory Bodies, Public Sector Undertakings, Scheduled Commercial Banks, Financial Institutions and Listed Companies, and Leave & License Agreements with such employers allotting official accommodation
•  Investment proof: Holding or demat statements, insurance policy docs

Here is how you can apply in just a few steps:

1. Check your eligibility: Based on the asset type and value
2. Choose your asset: Select shares, mutual funds, or other investments to pledge
3. Submit documents: Upload via portal or submit at the branch
4. Get approval: Processing within 24–48 hours in most cases
5. Receive funds: Disbursal directly to your account

In the time it takes to compare unsecured loans, you could already have Rs. 60 lakh in your bank account. Move smarter. Explore LAS now

• Retain asset ownership
• Lower cost of borrowing
• Quick disbursal
• Flexible repayment options
• Continued portfolio performance

Before applying for a Rs. 60 lakh loan against securities, consider:

• Loan amount vs asset value – Ensure your portfolio qualifies
• Loan tenure – Longer terms may suit large needs
• Repayment flexibility – Look for overdraft options or interest-only EMI
• Credit score – Generally not required to get a loan against securities, may differ from lender to lender.

Raising Rs. 60 lakh does not have to come at the cost of your financial future. With a loan against securities, you can tap into the value of your portfolio while preserving its growth. Whether it is an urgent requirement or a planned milestone, this secured credit line gives you the confidence to move forward without disruption.

When liquidity meets strategy, great things happen. Start your Rs. 60 lakh LAS journey now, no disruptions, only decisions. Apply today