Rs. 65,000 Loan

Need Rs. 65,000 for a short-term financial need or emergency? Whether it’s for urgent bills, travel, home repairs, or unexpected expenses, you can get this amount quickly without applying for an unsecured loan or redeeming your investments. A Rs. 65,000 loan against securities offers a simple way to get instant liquidity without touching your long-term financial goals.

Did you know? You can raise Rs. 65,000 in just 24–48 hours by pledging your mutual funds, shares, insurance, or bonds no income proof needed.

What is a loan against securities?

A Loan Against Securities (LAS) allows you to borrow money by pledging investments such as mutual funds, shares, ULIPs, bonds, or ESOPs. These investments remain intact, earning returns, while acting as collateral. Here’s why LAS is a smart move even for a small amount like Rs. 65,000:

• You don’t need to sell your assets: Keep your investments growing while using them to raise quick funds. No need to redeem or exit market positions prematurely.
• Funds disbursed in just 24–48 hours*: Most LAS applications are processed digitally with near-instant approvals and quick disbursal, giving you funds in 1–2 working days.
• Use the money however you want—no restrictions: Unlike some loans, LAS has no restrictions on usage you can spend it on home repairs, travel, bills, or emergencies.
• Your investments continue to earn returns: Stay invested in equity, debt, or hybrid assets. Your money keeps compounding while you access liquidity.
• Avoid capital gains tax that comes with early redemption: Since you are not liquidating your assets, there’s no tax triggered—ideal for maintaining tax efficiency.

Why redeem your investments for short term need? Borrow Rs. 65,000 and stay invested. Apply for a loan against securities

Why not opt for unsecured loans?

For a Rs. 65,000 loan, you might consider a personal loan—but that typically means high interest rates, income checks, and longer approval cycles. A LAS makes borrowing faster and more affordable. Here’s how LAS is better:

• Interest rates from just 8% p.a.: Because it’s secured by your investments, LAS offers lower interest than personal loans, which often range between 12–18% annually.
• No income proof or salary slip needed: Your eligibility is based on your portfolio’s value—not your job profile, monthly income, or CIBIL score.
• Faster approval and disbursal: LAS is mostly digital, so you don’t need to wait for lengthy verifications. Most applicants get funds within 48 hours.
• Flexible repayment options: Choose from interest-only payments, bullet repayment, or EMIs, depending on your cash flow and tenure preference.
• No questions about end-use: Use the loan amount for anything you need—there’s no requirement to explain or justify how you plan to spend it.

Need Rs. 65,000 fast? Let your investments help skip the hassle and high EMIs. Apply for a LAS today

What is Loan to Value (LTV) and why it matters?

Loan to Value (LTV) is the percentage of your pledged investment’s market value that can be offered as a loan. It plays a key role in estimating how much of your portfolio needs to be pledged to raise Rs. 65,000.

Typical LTVs across asset classes:

• Mutual funds – For debt or hybrid mutual funds, you can get up to 90% of the fund's NAV as a loan ideal for conservative investors.
• Shares – Due to higher price volatility, shares usually qualify for a lower LTV about 50%, depending on the scrip and market conditions.
• Insurance & bonds – Stable assets like traditional ULIPs or AAA-rated bonds offer the highest LTV helping you raise more by pledging less.

Example: To raise Rs. 65,000 at 90% LTV, your mutual fund portfolio should be worth approximately Rs. 72,000 to Rs. 73,000.

When should you consider a Rs. 65,000 loan against securities?

A Rs. 65,000 LAS offers flexible liquidity without forcing you to disturb long-term financial goals. If you have investments and need timely access to funds, this loan helps you manage both present needs and future plans. Situations where LAS makes sense:

• You have investments and want liquidity without disruption: Tap into your wealth without cashing out or changing your portfolio allocation.
• You prefer not to share income documents or credit reports: Skip the scrutiny your pledged investments make you eligible, regardless of income patterns.
• You want cost-effective credit with quick turnaround: No long wait times, high interest, or heavy EMIs just efficient borrowing backed by your assets.
• You have time-sensitive financial responsibilities: Whether it’s paying fees, handling repairs, or planning travel—LAS gives you the liquidity to act fast.
• You want to stay invested and avoid tax liabilities: Keep your long-term investment plan on track while solving today’s financial needs.

5 ways to get a Rs. 65,000 loan

Choose from five investment types to raise Rs. 65,000 based on your portfolio composition.

Loan product	Interest rate (p.a.)	Tenure
Loan against mutual funds	8–15%	Up to 36 months
Loan against shares	8–15%	Up to 36 months
Loan against insurance	Up to 24%	Up to 96 months
ESOP financing	Up to 15%	Up to 36 months
Loan against bonds	8–15%	Up to 36 months

How to apply for a Rs. 65,000 loan?

Applying for a Rs. 65,000 loan against securities is simple, digital, and quick. Just follow these steps:

1. Go to the loan against securities portal: Visit the official LAS page to start your online journey.
2. Choose the type of investment to pledge: Select mutual funds, shares, ULIPs, or bonds that you wish to use as collateral.
3. Enter your PAN, DOB, and contact details: Fill in your personal details for KYC verification and communication.
4. Upload your investment and KYC documents: Upload scanned or digital copies of PAN, any one of the official valid document, and investment proofs as required.
5. Digitally authorise the pledge via NSDL, CAMS, or insurer: Use secure channels to authorise your lender to hold a lien on your pledged securities.
6. Get the loan credited directly to your account: Once verified, the loan amount is disbursed into your bank account within 24–48 working hours*.

Apply in minutes, pledge digitally, and receive Rs. 65,000 straight to your account hassle-free. Apply now

Eligibility criteria for a Rs. 65,000 loan

To qualify for a Rs. 65,000 loan against securities, you do not need to prove income. You just need a valid investment and meet the basic criteria below:

• Age – You must be a legal adult. Some LAS products may allow loans up to age 90 depending on the asset.
• Residency – The applicant must have a valid Indian address and identification documents.
• Portfolio ownership – The pledged investment must be held in your name or jointly with supporting documentation.
• Minimum asset value – Based on typical Loan-to-Value (LTV) ratios, your investment portfolio should match the required threshold.
• No income proof required – Your salary, job profile, or income history is not needed to get loan approval.

Documents required

To get a Rs. 65,000 loan, you only need to provide a few essential documents most of which can be submitted digitally:

• PAN card – This is required to establish your identity and link your investments for loan processing.
• Address proof – Submit any recent, government-accepted proof to confirm your residential address.
• Recent photo – Used for borrower identification in your profile and loan records.
• Investment proof – Provide statements showing ownership of the securities you wish to pledge.
• Bank details – Submit a cancelled cheque or valid bank account details for seamless fund transfer.

Benefits of Rs. 65,000 loan against investments

A Rs. 65,000 loan against securities gives you the flexibility to address financial needs without disturbing your portfolio. Here’s why it’s a wise option:

Avoid selling your investments for financial needs: Stay invested and continue earning returns while you manage current cash flow with confidence.

Quick approvals and same-day disbursals: Apply online, get approved in hours, and receive funds directly in your account—often within a single working day.

Lower interest rates than unsecured credit: Interest starts as low as 8% p.a., compared to 12–18% p.a. for typical personal or business loans.

No usage restrictions use funds as needed: Pay bills, manage repairs, fund travel, or cover family expenses with no limitations or approval.

Easy online process with minimal paperwork: End-to-end digital onboarding ensures a smooth experience with little to no manual follow-up.

Your investments continue to generate returns: Your pledged securities remain in the market and continue compounding even while you borrow against them.

Let your investments do more borrow against your investments and stay financially confident. Apply now

Conclusion

A Rs. 65,000 loan against securities offers the perfect blend of speed, flexibility, and financial discipline. It allows you to access quick liquidity while continuing to stay invested. Whether you need the funds for a short-term expense, personal goal, or emergency, this loan puts your existing portfolio to work—without compromising its future potential.

Keep your assets intact, access Rs. 65,000 in 24–48 hours* with a smart loan against your portfolio. Apply now