of surrender value
can be clubbed
repayment structure
of surrender value
can be clubbed
repayment structure
Svakarma’s Loan Against Insurance product (LAI) is a term loan offered against the surrender value of your life insurance policy.
It gives you structured EMI repayment, access to meaningful loan amounts, and allows your life insurance policy to continue, while you use the loan for business growth.
Loan amount up to 125% of surrender value
Combine multiple life insurance policies across insurers
EMI-based structure with principal and interest
Interest paid may be treated as a business expense in ITR, subject to applicable tax laws
Dedicated Svakarma Relationship Manager for end-to-end support
Loan amount up to 125% of surrender value
Combine multiple life insurance policies across insurers
EMI-based structure with principal and interest
Interest paid may be treated as a business expense in ITR, subject to applicable tax laws
Dedicated Svakarma Relationship Manager for end-to-end support
Share basic life
insurance policy details
Eligibility assessment
and loan structuring
Documentation
with RM support
Loan disbursal with
clear EMI schedule
Share basic life
insurance policy details
Eligibility assessment
and loan structuring
Documentation
with RM support
Loan disbursal with
clear EMI schedule
An EMI-based term loan against the assigned surrender value of your life insurance policy.
Up to 125% of the policy’s surrender value, subject to eligibility.
Yes. Multiple life insurance policies, even across insurers and including spouse-held policies, can be clubbed.
Yes. As far as you continue to pay your premiums and fulfil all obligations required by the Insurance Company, the life insurance policy continues, and full benefits remain available once the loan is closed.
Yes. As the surrender value of your life insurance policy increases, you may become eligible for additional loan amount.
Svakarma Finance is a trusted NBFC focused on providing Business Loans for MSMEs. With faster approvals, transparent structures, and relationship-led service, Svakarma helps business owners unlock value from their life insurance policies.