Published Aug 29, 2025 4 min read

Imagine needing Rs. 60 lakh, for a business opportunity, a large medical expense, or even an international relocation. Now imagine having to sell long-term investments you've built over years just to make it happen. There’s a smarter, faster way to raise large funds without disturbing your financial ecosystem.


Your investments have value beyond returns. Why part with them when you can borrow against them? Get a Rs. 60 lakh loan while keeping your portfolio intact. Apply now

 

Why choose a loan against securities for a Rs. 60 lakh loan?

When the funding requirement is high, the cost of borrowing becomes just as important as the speed. This is where Loan Against Securities (LAS) comes in. Whether you hold shares, mutual funds, bonds, or insurance policies, these can serve as collateral to access a sizeable loan, often within 24–48 hours*.

What makes it ideal?

  • Low interest rates: Starting as low as 8% per annum
  • No liquidation needed: Your assets remain invested
  • Quick processing: Paperless approvals and minimal documentation
  • Flexible tenure: Up to 96 months, depending on the asset type
  • High Loan-to-Value (LTV): Up to 90% of your asset value (depending on the asset type).

What if your Rs. 60 lakh need did not require a single share to be sold? Keep your investments. Fund your needs today. Apply now

 

Who should consider a 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.

 

Interest rates for different LAS variants

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

Loan variantInterest rateTenureIdeal for
Loan against shares8% – 15% p.a.Up to 36 monthsShort-term needs
Loan against mutual funds8% – 15% p.a.Up to 36 monthsMid-sized loans
Loan against insurance policiesUp to 24% p.a. (Simple or compound interest based on policy type)Up to 96 monthsHigh-ticket, long-tenure loans

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

 

What makes LAS so effective for large loan amounts?

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 criteria for a Rs. 60 lakh loan

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

 

Documents required

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

 

How to apply for a Rs. 60 lakh loan?

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

Why not go for an unsecured loan? Let’s see a quick comparison:

FeatureLoan against securitiesUnsecured Loan
Interest rate8% p.a.–15% p.a.13% p.a.–20% p.a.
Processing time24–48 hrs*3–7 days
TenureUp to 96 months or moreUp to 5 years
CollateralYes (Securities)None
Loan sizeLarge/smallTypically capped
Portfolio impactNoneYou may need to sell later

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

 

Benefits of choosing LAS for a Rs. 60 lakh loan

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

 

Things to keep in mind before you borrow

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.

 

Conclusion

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

Frequently asked questions

What is the minimum salary for a Rs. 60 lakh loan?

There is no minimum salary requirement to avail of a Rs. 60 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 Rs. 60 lakh loan per month?

Interest rates for a Rs. 60 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the rate of interest per annum, and the loan tenure. Secured loans offer lower rates than unsecured loans.

How to get a Rs. 60 lakh loan immediately?

To get a Rs. 60 lakh loan quickly, choose a lender offering quick approval, like loans against mutual funds, or shares. Ensure you meet the eligibility criteria, submit the required documents online, and opt for digital verification for faster processing.

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