Rs. 80000 Loan

Need to raise Rs. 80,000 without selling your shares or mutual funds? Whether it’s for medical expenses, travel, repairs, or personal obligations, a Rs. 80,000 loan against securities helps you stay financially flexible without disrupting your long-term wealth.

Did you know? You can get Rs. 80,000 in within 24–48 hours* by pledging your existing mutual funds, shares, insurance, or bonds without submitting income proof.

What is a loan against securities?

A Loan Against Securities (LAS) allows you to borrow money by pledging your financial investments as collateral. These could include mutual funds, listed shares, bonds, ULIPs, or even ESOPs. Your investments remain untouched, and you continue to earn returns even as you borrow.

Why choose LAS for Rs. 80,000?

• Keep your investments working for you
• Borrow without liquidating your portfolio
• Disbursal in just 24–48 hours*
• No usage restrictions
• Avoid capital gains tax from premature redemptions

Keep your money invested while accessing Rs. 80,000 with ease. Apply for a loan against securities

Why not opt for unsecured loans?

An unsecured loan might seem like a quick fix for Rs. 80,000, but it comes with downsides high interest rates, income verification, and long approval times. With LAS, you get the same amount faster, easier, and at lower cost.

Here’s how LAS compares:

• Interest rates start at just 8% p.a.
• No need to submit salary slips or IT returns
• Minimal documentation and a digital process
• Funds in 24–48 hours*
• Flexible repayment options and usage freedom

Skip the high interest and paperwork raise Rs. 80,000 swiftly through your investments, with better rates. Know how LAS compares

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

Loan to Value (LTV) is the maximum percentage of your pledged asset’s market value that a lender allows you to borrow. Different securities carry different LTVs depending on their volatility and liquidity.

LTV examples by asset:

• Mutual funds: Up to 90% of their current NAV value
• Shares: Typically, up to 50%, depending on the stock’s risk profile
• Insurance policies and bonds: Between 80% to 90%, based on surrender value or credit rating

Example: If your mutual fund portfolio is worth Rs. 89,000, you could borrow up to Rs. 80,000 at a 90% LTV without redeeming a single unit.

When should you consider a Rs. 80,000 loan against securities?

A smart choice when you need liquidity without interrupting your investment goals. You may consider a Rs. 80,000 loan against securities in these situations:

• You have a time-sensitive need like repairs, travel, or fees, and want to access funds without selling your assets
• You would prefer not to disturb your mutual fund or shareholding structure
• You wish to avoid capital gains taxes that may be triggered on premature redemption
• You need a fast, low-paperwork loan that doesn’t rely on income proof or a credit score
• You want your investments to continue compounding while you manage short-term expenses

5 ways to get a Rs. 80,000 loan

Choose the right asset and get Rs. 80,000 efficiently with flexible tenure and rates.

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

Leverage what you already own use your investments to raise Rs. 80,000 seamlessly. Apply for LAS now

How to apply for a Rs. 80,000 loan?

Here’s how to apply for a Rs. 80,000 loan against securities:

1. Go to the LAS portal: Start the process on the official loan application website
2. Log in using OTP: Use your mobile number and authenticate via OTP
3. Enter personal and KYC details: Include PAN, date of birth, and email ID
4. Choose your securities to pledge: Select from mutual funds, shares, bonds, or ULIPs
5. Upload supporting documents: Submit investment proofs and basic KYC digitally
6. Verify and e-sign: Authorise pledge and mandate via NSDL, CAMS, or insurer
7. Disbursal in 24–48 hours: Get funds in your bank account after verification

Eligibility criteria for a Rs. 80,000 loan

Eligibility is based on your portfolio—not your income or employer.

• Age: Must be 18 years or above; some lenders allow up to 90 years of age
• Residency: Must be an Indian citizen or resident with a valid address
• Investment ownership: You must own the securities being pledged
• Minimum portfolio value: Minimum portfolio value depends on the type of securities you pledge and their LTV ratio
• Employment type: Both salaried and self-employed individuals are eligible
• Income proof not needed: The value of your pledged assets is sufficient for approval

Documents required

Just a few basic documents are needed—and everything can be uploaded digitally.

• PAN card: Mandatory for identity and tax verification
• Address proof: Aadhaar, passport, utility bill, or voter ID
• Photograph: Passport-size photo for profile identification
• Investment proof: CAMS/Karvy statement for mutual funds, Demat for shares, insurance documents for ULIPs
• Bank account details: Cancelled cheque or account info for direct disbursal

Benefits of Rs. 80,000 loan against investments

Keep growing your portfolio while solving your liquidity needs.

• No need to redeem investments: Borrow without interrupting long-term growth
• Lower interest rates: Rates from 8% p.a much less than unsecured credit options
• Fast processing: Apply, pledge, and receive funds in 24–48 hours*
• No restrictions on use: Spend as you need home, travel, business, or personal
• Digital convenience: No branch visits, no queues just a smooth online process

Put your investments to work borrow Rs. 80,000 without letting go of future gains. Apply now

Conclusion

A Rs. 80,000 loan against securities offers you a smart, fast, and financially sound way to raise funds without selling your investments. Whether you're bridging a short-term gap, covering urgent expenses, or simply choosing to stay invested, LAS ensures you retain ownership of your portfolio while meeting your financial needs on time. With flexible terms, low interest, and full digital access, it’s an ideal solution when liquidity meets long-term planning.

Don’t pause your plans for lack of liquidity leverage your investments to secure Rs. 80,000 quickly, without selling or sacrificing long-term returns. Apply now