Loan Product · Loan Against Investment
Loan Against LIC, Mutual Fund & Post Office Deposit
Access funds against LIC policies, mutual funds, or Post Office deposits — retain ownership and returns.
The Loan Against LIC Policy, Mutual Fund, and Post Office Deposits offered by Dnyankrupa Multistate Co-operative Credit Society Ltd. allows individuals to access funds using their existing investments as security.
Instead of redeeming your investment prematurely, this facility enables you to take a loan against the surrender value or market value of your financial instruments while continuing to retain ownership and earn returns.
- Loan against LIC policies
- Loan against Mutual Funds
- Loan against Post Office deposits
- Fast loan processing
Loan Aspects
The Loan Against Investment facility provides flexible financing for investors.
- Loan available against the surrender value of LIC policies, Mutual Funds, or Post Office deposits.
- You retain ownership and continue earning returns on your investment.
- Fast processing with minimal documentation.
- Loan amount up to 75% to 90% of asset value depending on the instrument type.
This facility helps individuals manage financial needs while protecting long-term investments.
ROI & Handling Charges
This ensures transparent loan processing and predictable repayment planning.
Rate of Interest
18%
Handling Charges
Minimal
Why Choose Loan Against Investment?
Continue Growing Your Investments
Borrowers can retain their investments and continue earning returns.
Quick Loan Processing
Minimal documentation ensures fast approval.
Flexible Loan Amount
Loan limits depend on the value of the investment instrument.
Secure Financing
Loans are backed by established financial instruments such as LIC policies and deposits.
Eligibility
The Loan Against Investment facility is available for:
- Individuals holding valid LIC policy, Mutual Fund investments, or Post Office deposit instruments.
- Ownership documents must be in the applicant's name.
- Applicant must be a resident Indian with valid KYC.
Documentation & Security
To apply for a Loan Against Investment, the following documents are required:
- KYC Proof: Aadhaar, PAN, and address proof
- Investment Documents: LIC policy bond, Mutual fund statement or unit certificate, Post Office deposit certificate (NSC, RD, KVP, etc.)
- Loan Application Form and Photograph
- Savings or Current Account (if new customer)
These documents help verify ownership of the investment instruments and process the loan smoothly.