What all assets do I have on which I can take loans?

Financial emergencies strike when we least expect. Be it the sudden hospitalization of a loved one, or the need to get capital fast for a new venture, there are no shortages of life’s adverse situations that often back us into a corner. If you find yourself between the financial rock and hard place, you may have often wondered what belongings you can leverage to get a loan to rescue you out of hot water. We’re here to answer that question as we comprehensively lay out the full range of options at your disposal. Here are the assets upon which you can take out a loan: 


While the exact figures remain a little cloudy, estimates by the NSE indicate that Indian shareholders account for between 2 and 3% of our country’s population. More and more people are beginning to see the value these marketable securities offer over traditional or tangible investments that tend to be exposed to more risks. 

If you have shares, you can offer these to a lender as collateral. The lender of your choice will in turn offer you quick capital against shares. It’s a great option to sort out short-term cash goals without derailing your long-term vision, and they are great cash avenues for personal emergencies, business capital and so much more. 

With the right lender by your side such as Abhi Loans, you can enjoy very low interest loans for shares, starting at Rs15,000. Moreover, you also become privy to:

  • A loan with no credit check that means a faster turnaround
  • High loan to value (LTV) ratio, averaging 65% of your units’ market value
  • A loan with Low CIBIL where you can apply at home loan against share
  • Zero added costs in terms of prepayment charges

2.Mutual Funds

Like shares, mutual funds are digital assets that are traded much the same way the concept of the stock market works. As literacy levels continue to rise across India, thus opening up contemporary mindsets to investments in the digital space, the sky’s the limit for investments in MF.

While many mutual fund investors liquidate or outrightly sell part of or all of the shares in exchange for the market value of the units sold, there’s a way to obtain liquidity without actually, well, liquidating any units. That can happen when borrowers seek out quick money on mutual funds by way of a quick loan against mutual fund units. This opens many doors for long-term investors to: 

  • Not lose out on dividends 
  • Hold shares to sell at more opportune times, if that is the end goal
  • Access a loan against mutual fund units at cheap rates

One such reliable provider of quick capital against mutual funds is Abhi Loans, an NBFC that allows you to borrow an amount equivalent to 75% of the value of your units. 


Besides shares and mutual funds units, this is potentially one of the most popular assets most people use for collateral when seeking out loans. However, they pack particularly enormous risks compared to fully digital loans against shares and mutual funds. That’s because you stand to lose the entirety of your investment in return for just a fraction of your property value. 

Some common types of properties you can leverage for a loan include: 

  • Residential properties: This could be a house or property you’re living in or rental housing options from which you earn an income
  • Commercial properties: These refer to property used for business or commercial purposes. It covers buildings you rent to businesses or those that you own to operate a commercial entity
  • Land: Land is also a valuable resource that most lenders will accept as security in exchange for your loan

However, properties can have lots of gray areas in terms of eligibility. To say that conditions vary drastically from lender to lender would be an understatement. 

4.Fixed Deposit

Fixed deposit accounts entice individuals struggling with financial discipline. The operating principle is great and especially appeals to individuals who would like to earn higher interest rates on their money compared to what they would get with a standard savings account. 

The only downside with a fixed deposit account is that lenders impose hefty penalties on premature withdrawals. Furthermore, these can have lengthy processing times in such cases, and this practically makes them useless when you need a quick loan against securities in say 24 hours for example. 

That being said, loans against FD are pretty much commonplace across India. The size of your deposit account will largely determine the size of your loan as well as the interest rate you’ll be charged. 

5.Insurance and bonds

Do you have LIC shares? The great news is that some lenders accept these as collateral too, to get you a loan. The only problem is that these remain the preserve of a few insurance companies, particularly those with well-established relationships with banks. Consequently, many insurance policy providers are locked out. 

In the same breadth, you should also know that you can take out a loan against government bonds. To be more specific, these cover assets such as: 

  • RBI relief bonds
  • National saving certificates
  • Public Sector units

If you don’t have any insurance policies or government bonds to your name, then you can always fall back on a quick loan against securities, that is if you have ownership of shares or mutual fund units. 

Check out Abhi Loans for loans on shares and mutual funds

Do you have shares in your name? Or are you the proud owner of a mutual fund investment? Then you can leverage these assets to get yourself a  loan against securities at cheap rates. One great provider of these services is Abhi Loans, a proven NBFC offering loans on shares/mutual funds at low interest rates with same-day disbursal. The best part is that their loan processes are fully digital and you can completely apply from home. Don’t suffer when you have securities that can bail you out of financial trouble. Head over to the Abhi Loans website for a loan with no credit check.

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