Rs. 80 lakh Loan

Ever been in a situation where you needed substantial funds fast, but didn’t want to break your long-term investments? Whether it’s acquiring a commercial property, bridging a cash flow gap for your business, or funding a large personal expense, finding Rs. 80 lakh on short notice can feel overwhelming. And while most turn to unsecured loans, the interest burden and rigid terms can make them financially draining.

But what if you could raise Rs. 80 lakh without selling a single share or mutual fund unit?

You have built your portfolio for growth, not liquidation. Use it to your advantage when life calls for bold decisions. Apply for a loan against securities now

What is a loan against securities?

A Loan Against Securities (LAS) allows you to borrow money by pledging your financial investments like shares, mutual funds, bonds, or insurance policies, as collateral. It's a secured line of credit, offering a flexible, low-cost alternative to traditional unsecured loans.

You retain ownership of your investments, and they continue to generate returns while helping you meet immediate financial needs.

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Why choose a Rs. 80 lakh loan against securities?

Securing such a large amount through traditional methods often comes with stress, documentation, delays, high interest, or the pressure to liquidate investments.

Here’s why LAS is a smarter move for an Rs. 80 lakh requirements:

• No need to sell investments: Your assets stay invested, helping you continue earning market-linked returns.
• Lower interest rates: Starting from as low as 8% per annum, depending on the asset pledged.
• Quick disbursal: Get funds in 24–48 hours with minimal paperwork.
• Flexible usage: Use the funds for business expansion, property purchase, medical costs, or any personal requirement—no end-use restrictions.
• Line of credit model: Withdraw as needed and pay interest only on what you use.

Selling your investments for liquidity is like uprooting a tree for its fruit.

You can enjoy the returns while keeping your investments intact. Get a large credit line of Rs. 80 lakh while your investments continue to grow. Apply now to get started

Interest rates for LAS based on asset type

Here’s a quick look at typical interest rates based on the collateral you pledge:

Loan variant	Interest rate	Tenure
Loan Against Shares	8% – 15% p.a.	Up to 36 months
Loan Against Mutual Funds	8% – 15% p.a.	Up to 36 months
Loan Against Bonds	8% – 15% p.a.	Up to 36 months
Loan Against Insurance Policy	Up to 24% p.a.	Up to 96 months (varies by policy type)
ESOP Financing	Up to 15% p.a.	Up to 36 months

Note: Rates may vary based on lender policies, asset value, and applicant profile.

Why not opt for unsecured loans?

You might wonder, why not just apply for an unsecured loan?

Let’s compare:

Feature	Loan against securities	Unsecured loan
Interest rate	Lower (from 8 to 15%)	Higher (13% to 20%)
Processing time	24–48 hours	3–7 days
Documentation	Minimal	Moderate
Impact on portfolio	None	May lead to asset liquidation later
Loan tenure	Up to 96 months or more	Up to 5 years

By the time others chase approvals for unsecured credit, you could already have Rs. 80 lakh in your bank account. Apply for a LAS now

Eligibility criteria for a Rs. 80 lakh loan

You can apply for a LAS if you meet the following:

• Age: Between 18 and 80 years
• Profile: Salaried, self-employed, HNIs, or NRIs
• Ownership of securities: Equity shares, mutual funds, insurance policies, bonds, or ESOPs
• Investment value: Your pledged securities should support the desired loan-to-value (LTV) ratio

Note: Final loan amount depends on the value and type of securities pledged.

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

Documents required

Minimal documentation makes LAS one of the quickest secured loans to avail.

KYC documents (any one from each category):

• ID proof: PAN card, passport, Aadhaar
• Address proof: Aadhaar, utility bill, driving license

Other required documents:

• Investment proof (holding statement/demat account)
• Income proof (in some cases for higher limits)
• Loan application form (online or offline)

How to apply for a Rs. 80 lakh LAS

Here’s a simple step-by-step process:

1. Choose the right asset – Check if you have sufficient mutual funds, shares, or policies to pledge.
2. Check eligibility – Ensure your profile and portfolio align with lender norms.
3. Apply online or offline – Visit the lender's site or nearest branch.
4. Submit documents – Upload investment and KYC details.
5. Loan approval and disbursal – Once verified, funds are transferred to your bank account.

When does a Rs. 80 lakh LAS make sense?

A large-ticket LAS is ideal if you’re:

• Buying commercial/residential property
• Bridging working capital for business
• Handling high-value medical treatments
• Paying for destination weddings or overseas education
• Planning debt consolidation with better terms

Conclusion

A Rs. 80 lakh loan through Loan Against Securities can be the difference between delayed goals and timely action. It gives you the freedom to meet large expenses without the pressure of selling your investments. With flexible terms, lower interest, and quick disbursal, it’s a smart and efficient alternative to unsecured loans.

Waiting could mean missed chances. If your investments are idle, you’re already paying a price. Put your securities to work with a smart, high-value LAS. Apply now