Have an urgent need for Rs. 8 lakhs, but do not want to disturb your financial planning or liquidate your long-term investments? Whether it’s for a medical emergency, a business expense, a wedding, or higher education, accessing this amount quickly can feel stressful, especially if you’re relying on personal loans with high interest rates or dipping into savings meant for your future.
But here’s the good news: you do not need to sell your shares, mutual funds, bonds, or insurance policies to raise funds. You can simply borrow against them.
Did you know? You can get a loan of up to Rs. 8 lakh or more by pledging your existing financial assets, without selling them. The best part? You continue to earn returns on them even while they’re pledged.
With a loan against securities, you can turn your investments into working capital instantly. Get started and see how much you can borrow in just a few steps.
Let’s break down how this works and why it’s a much smarter, more cost-effective alternative to unsecured loans.
6 ways to get an Rs. 8 lakh loan using your investments
There are multiple secured loan options that allow you to pledge your financial assets instead of liquidating them. These loans come with lower interest rates, faster approvals, and flexible tenures.
| Loan product | Interest rate | Loan tenure | Details and application link |
| Loan Against Mutual Funds | 8% – 15% p.a. | Up to 36 months | Learn more and apply for ESOP Financing |
| Loan Against Shares | 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 |
| ESOP Financing | Up to 15% p.a. | Up to 36 months | Learn more and apply for Loan Against Shares |
*In case of lock-in policies, compounding interest may apply. For lock-in-free policies, simple interest is charged.
Each of these options enables you to access funds while continuing to benefit from your investments. The lender simply marks a lien on your assets and releases the lien once the loan is repaid.
Still waiting for the right time to sell? Why sell when you can borrow and continue growing your investments? Apply now
Why a secured loan makes more sense than an unsecured loan?
Still considering a unsecured loan for Rs. 8 lakhs? Let’s compare it with a loan against securities.
| Loan against securities | Unsecured loan | |
| Interest rate | Starts from 8% p.a. | Starts from 12–15% p.a. |
| Collateral | Required (financial assets) | Not required |
| Loan processing time | 24–48 hours | 2–5 working days |
| Credit score dependency | Minimal | High |
| Impact on investments | Assets remain intact | May require liquidation |
Keep your investments intact and your future secure. Apply for a loan against securities today and borrow up to 50% of your asset value.
Who can apply for a Rs. 8 lakh loan?
Getting a loan against securities is straightforward and available to most investors.
Eligibility criteria:
- Age: Between 18 and 65 years
- Residency: Indian citizen
- Employment: Salaried, self-employed, or business owner
- Investments: You must own eligible securities (shares, mutual funds, insurance, bonds, etc.)
- KYC compliance: PAN, Aadhaar, and other standard documents
Even if you’re new to borrowing, as long as your assets are valid and verified, you can qualify without worrying about your credit score.
What documents are required for a loan of Rs. 8 lakhs?
Minimal documentation is needed for this type of loan. In fact, if your investments are linked digitally (through folio or demat), the process is even faster.
Documents you will need:
- KYC documents: PAN card, Aadhaar/passport/voter ID
- Investment proof: Demat statement, folio number, or policy document
- Bank details: For disbursal and auto-debit
- Photograph and signed application form
If you’re pledging mutual funds or shares held electronically, you can get instant approval with just your PAN and folio/demat number.
How to apply for an Rs. 8 lakh loan against investments?
Here’s how simple the application process is:
Step-by-step process:
- Visit the Loan Against Securities portal: Choose the asset type you wish to pledge mutual funds, shares, etc.
- Fill in your details: Enter your name, PAN, contact info, and loan requirement.
- Verify your investments: Link your demat account or mutual fund folio for real-time verification
- Get approval and e-sign: Review the loan offer, accept terms, and e-sign the agreement
- Receive funds: Upon approval, the funds are transferred to your bank account, often within 24–48 hours
Still comparing options? Every day you wait, your opportunity might move on. Check what you are eligible for today
Benefits of taking a Rs. 8 lakh loan against securities
This option works especially well when you need fast access to funds without compromising your investment goals.
Why it’s a smart move:
You don’t sell your investments — they continue to earn returns
Lower interest rates compared to personal or credit card loans
Quick disbursal, often within 1–2 days
Flexible loan tenure from 12 to 60 months
No foreclosure charges with select lenders
High Loan-to-Value (LTV) — borrow up to 90% of your asset’s value
You could pledge investments worth Rs. 9–10 lakh and get Rs. 8 lakh disbursed without breaking a sweat.
Final thoughts
Raising Rs. 8 lakh quickly does not need to come at the cost of your future investments. With a loan against securities, you unlock liquidity while your assets continue to grow. Whether it's for your child's education, a family emergency, or a short-term business need, this is one of the most cost-efficient ways to fund it.A loan against securities gives you both speed and strategy. Get instant liquidity, keep your long-term investments intact, and stay financially confident. Apply now
Frequently asked questions
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