Here’s a snapshot of six high-value loan options where you can use your existing financial assets as collateral:
| Loan product | Interest rate | Tenure | Max loan value* |
| Loan Against Shares | 8% – 12% p.a. | Up to 36 months | Up to 50% of share value |
| Loan Against Mutual Funds | 8% – 12% p.a. | Up to 36 months | Up to 90% of NAV |
| Loan Against Insurance Policy | 8% – 12% p.a. | Up to 96 months | Up to 90% of policy value |
| ESOP Financing | Up to 15% p.a. | Up to 36 months | Based on unvested/vested ESOPs |
*Subject to lender terms, asset type, and LTV norms.
Still deciding whether to part with a priced investment? Borrowing against it lets you access up to Rs. 10 crores, while your asset keeps growing. Apply now to get started
Why opt for a loan against securities for Rs. 10 crore?
Borrowing Rs. 10 crores through LAS offers several high-stakes advantages for HNIs and large investors:
- No distress selling: You do not have to exit the market during a downturn or lose out on future gains. Your investments stay intact.
- Quick access to capital: Unlike traditional term loans, LAS can be disbursed quickly, sometimes within 48 hours of application.
- Lower interest rates: Since your investments act as collateral, you enjoy better rates than unsecured business or personal loans.
- Flexible usage: Whether you are funding a real estate deal, business buyout, or even setting up an international base, there are no restrictions on end-use.
- Seamless top-up and renewals: Need more than Rs. 10 crores? Once you have set up a LAS facility, getting additional funds can be much simpler.
Why sell assets to create liquidity when you can borrow against them, faster, cheaper, and without regret? Apply now
Real-world example
Ravi, a second-generation entrepreneur, needed Rs. 10 crore within 7 days to seize a distressed asset acquisition. Instead of approaching banks for a business loan, he pledged a mix of mutual fund holdings and listed shares worth Rs. 13 crore. The LAS was approved within 24 hours, with minimal paperwork and no disruption to his long-term wealth plan.
Result: Deal secured. Investments untouched. ROI intact.
When timing is critical, selling your securities can cost you more in lost potential. Loan against securities ensures you don’t pause wealth to pursue growth. Apply now
Eligibility criteria for a Rs. 10 crore loan against securities
To avail of a large-ticket LAS, you will typically need to meet the following eligibility requirements:
- Age: 21 to 90 years (at loan maturity)
- Applicant Type: Resident Indian (individual, HUF, or company)
- Ownership of eligible assets: Must own approved securities (mutual funds, shares, etc.) in demat or statement format
- Credit profile: A healthy credit history helps but is not the sole criterion, since loan is secured
Tip: The higher the value and liquidity of your portfolio, the faster and smoother the loan approval process. If you are exploring smaller loan amounts, you can also check options available for a Rs. 2 crore loan to suit your financial needs.
How does the Rs. 10 crore loan against securities process works?
A Rs. 10 crore loan against securities offers quick access to large funds without selling your investments. The process is simple, digital, and designed for speed and flexibility.
- Apply with KYC details and basic financial information
- Portfolio evaluation based on pledged shares, mutual funds, or bonds
- Loan sanction based on drawing power (value of securities)
- Pledge creation via demat account lien marking
- Account activation as an overdraft or a term loan
- Withdraw funds anytime within the approved limit
- Monitoring and margin calls if the market value drops
Why choose loan against securities for a Rs. 10 crore loan?
For high-value funding needs, a loan against securities helps you unlock liquidity while keeping your investments intact.
- Retain ownership of shares and continue earning returns
- Lower interest rates compared to unsecured loans
- High loan amounts—ideal for Rs. 10 crore requirements
- Flexible withdrawals through the overdraft facility
- Pay interest only on the used amount
- Quick processing with minimal documentation
- No need to liquidate assets, preserving long-term wealth
This makes it a strategic choice for managing large financial needs efficiently.
Documents required to avail your Rs. 10 crore LAS
Here’s what you will need to furnish:
KYC documents:
- Aadhaar, PAN, passport, or driving license
Ownership proof of securities:
- Demat statement (for shares)
- Statement of account (for mutual funds)
- Insurance policy document (for LAIP)
Financial documents:
- Recent ITR or audited financials (for businesses)
- Salary slips or Form 16 (for individuals, if needed)
- Bank statements for the last 6 months
How to apply for a Rs. 10 crore LAS?
The application process is simple and tailored for speed:
- Choose your collateral – Identify which securities you want to pledge
- Fill in the application – Do this online or at a branch
- Submit documents – Upload or share scanned copies
- Verification and approval – Quick checks by lender
- Disbursement – Funds are transferred to your account, often within 48 hours
If you have higher funding needs, you can also explore options for a Rs. 100 crore loan to meet large-scale financial requirements.
Benefits of availing a Rs. 10 crore loan against securities
A Rs. 10 crore loan against securities offers substantial liquidity while allowing you to retain ownership of your investments. It’s an ideal choice for high-net-worth individuals seeking large funding without disrupting their long-term portfolio. Key benefits include:
- Instant access to high-value funds: Get immediate liquidity for business expansion, property investment, or personal requirements without selling your shares, or mutual funds.
- Retain ownership and potential returns: Your securities remain invested, letting you continue earning dividends, interest, or capital appreciation while enjoying the loan benefits.
- Flexible repayment and withdrawal options: Repay interest only on the utilised amount and withdraw funds multiple times within your sanctioned limit.
- Competitive interest rates: Enjoy attractive interest rates compared to unsecured loans, thanks to the secured nature of your pledged assets.
- No restriction on end use: Use the funds freely for business, personal, or investment needs ensuring complete flexibility in managing your finances.
- Seamless digital process: Avail, manage, and repay your Rs. 10 crore loan through a quick, paperless process with minimal documentation and instant approvals.
Final thoughts
Whether you are a business owner, HNI, or investor managing multiple portfolios, a loan against securities worth Rs. 10 crore can offer the financial agility you need, without sacrificing your compounding growth story. Before liquidating your investments for liquidity, explore the LAS route. It's faster, smarter, and keeps your future wealth intact.
Think long-term. Borrow short-term. Your portfolio shouldn’t be the price you pay for opportunity. Apply now
