Need a Rs. 7 lakh loan urgently? Here's how to get a loan without selling your investments. Sometimes, you need access to funds quickly. Whether it’s for a child’s education, a medical procedure, a business opportunity, or even a home upgrade, a Rs. 7 lakh loan can go a long way in solving a pressing financial need. But what if you could raise this amount without touching your savings or selling your investments?
That’s exactly what a loan against securities offers – quick liquidity, without the need to liquidate. If you have mutual funds, shares, insurance policies, or bonds in your portfolio, you can use them as collateral and borrow up to Rs. 7 lakh or more, without disrupting your long-term financial goals.
Did you know? You can borrow against your securities and continue to earn returns on them simultaneously. It’s one of the smartest ways to raise funds while keeping your investments intact.
Let’s explore how you can get a Rs. 7 lakh loan against your securities, what documents are needed, who is eligible, and why this could be a better choice than an unsecured personal loan.
Ways to get a Rs. 7 lakh loan against securities
Here are some options you can consider, based on the type of investment you hold:
| Loan product | Interest rate | Tenure | Details and application link |
| Loan Against Shares | 8% - 15% p.a. | Up to 36 months | Learn more and apply for ESOP Financing |
| Loan Against Mutual Funds | 8% - 15% p.a. | Up to 36 months | Learn more and apply for Loan Against Bonds |
| Loan Against Insurance Policy | Up to 24% p.a. | Up to 96 months | Learn more and apply for Loan Against Insurance Policy |
| Loan Against Bonds | Up to 20% p.a. | Up to 36 months | Learn more and apply for Loan Against Mutual Funds |
| Learn more and apply for Loan Against Shares |
Each of these loan types allows you to access funds quickly and digitally, with minimal documentation and no need to sell your investment.
Use our easy online journey to apply for a loan against mutual funds or shares and get funds in your account in just 24 to 48 hours. Apply now
Who can apply for a Rs. 7 lakh loan?
If you own securities and are an Indian resident, you may already be eligible.
Eligibility criteria:
- Age: 18 to 65 years
- Indian nationality
- Salaried or self-employed individual
- Must own valid investments (mutual funds, shares, bonds, or insurance policies)
- KYC compliance with updated ID and address proof
Tip: If your investments are already with partnered institutions, your loan approval may be faster.
Documents required for a Rs. 7 lakh loan
Most lenders ask for basic documents. Here's what you'll need:
- PAN card
- Aadhaar card / Passport / Voter ID (address proof)
- Demat statement or folio number for mutual funds
- Insurance policy documents (if pledging policies)
- Bank account details
- Recent passport-size photograph
- Filled loan application form
Additional documents like income proof may be required based on lender policy.
Already have mutual funds or shares? Use them as collateral and complete the loan application in minutes – no income proof needed in most cases. Apply now
How to apply for a Rs. 7 lakh loan
The process is 100% digital and simple. Here’s what you need to do:
- Visit the lender's Loan Against Securities page
- Select your investment type (mutual funds, shares, bonds, or insurance)
- Check eligibility using the online tool
- Submit basic details and KYC
- Link your demat or mutual fund account
- Review and accept your offer
- Get funds transferred to your bank account
The best part? You get to keep earning on your investments while enjoying the financial flexibility of a secured loan.
Planning ahead? Use our EMI calculator to check your monthly EMIs and plan your repayments smartly.
Why choose a loan against securities for Rs. 7 lakhs?
Choosing a secured loan against your investments has multiple benefits:
- Lower interest rates than personal loans
- Faster disbursal, sometimes within 24 hours
- No need to break or sell investments
- Flexible tenures and part-prepayment options
- High Loan-to-Value ratio (up to 90%)
Whether it's for something urgent or planned, this route is ideal if you want to stay invested and financially balanced.
Final thoughts
A Rs. 7 lakh loan against securities can be your quickest route to hassle-free liquidity. It does not force you to make a hard choice between growth and immediate need. Instead, it lets your investments work both ways: earning returns and supporting your cash needs.
Check your eligibility, link your holdings, and apply online – it’s that simple.
Try it now: Check how much loan you can get on your investments instantly, without affecting your investments. Apply now
Frequently asked questions
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