Instant Loan Against Mutual Funds

Loan Against
Mutual Funds

Unlock the value of your investments without selling them. Get instant funds through a completely digital process.

100% Digital Process
No Income Proof Required
Quick Approval

Simple & Secure Process

Secure your investments while accessing funds whenever required.

Find Your Credit Limit
You may be eligible for ₹35,000
₹70,000
Move the slider to estimate your limit
₹0 ₹1 Crore

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Unlock liquidity

Raise cash against pledged units without selling a single one.

Pay only for use

Interest applies on the amount you actually withdraw, not the full limit.

Flexible repayment

Repay interest monthly and the principal whenever it suits your cash flow.

You stay the owner

Dividends, NAV growth and folio ownership continue in your name.

Paperless start to end

Aadhaar-based KYC, e-sign and e-mandate. No branch visit needed.

How it works

From pledge to payout, in four steps

The whole journey happens online. Most applicants finish the first three steps in one sitting.

Step 01

Share your PAN

We fetch your mutual fund holdings from CAMS and KFintech against your PAN. Nothing is pledged yet.

Under 2 minutes
Step 02

Pick the funds to pledge

Select schemes from your portfolio. The system shows the limit each scheme unlocks before you confirm.

Under 5 minutes
Step 03

Approve the lien with OTP

The registrar marks a lien on the selected units after your OTP approval. Units stay in your folio.

Same day
Step 04

Withdraw what you need

Your limit goes live as an overdraft. Draw any amount, repay anytime, reuse the limit again.

24–48 hours
People using a loan against mutual funds for different needs
100% digital process
Why not redeem

Selling units solves today and costs you tomorrow

When you redeem, you book capital gains tax, you pay exit load if you are inside the window, and you permanently lose the compounding those units would have earned. A loan against mutual funds gives you the money without any of those three costs.

Use it for a medical emergency, a business working-capital gap, school and college fees, home renovation or a property down payment — then repay at your own pace and continue holding the portfolio you spent years building.

No capital gains tax event
No exit load on pledged units
SIPs continue uninterrupted
Limit refreshes as NAV grows
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The LAMF advantage

Borrow smart while your investments keep growing

Lower rates than an unsecured loan, faster approval than a property loan, and your portfolio stays untouched.

Growth continues

Pledged units stay invested and keep tracking the market through the loan tenure.

No redemption needed

Raise funds without breaking your portfolio or resetting your holding period.

Secured-loan pricing

Rates start well below personal loans because your units back the borrowing.

No paperwork

Digital KYC, e-sign and e-mandate. No salary slips, no ITR, no branch visit.

Quick disbursal

Eligibility in minutes and money in your account, typically within 24–48 hours.

Safe and regulated

Lien is marked by the registrar. Units never leave your folio or your name.

Compare your options

Need ₹5 lakh? Here is what each route costs you

An illustrative comparison for an investor holding ₹12 lakh in equity mutual funds.

What you compare
Loan against MF
Personal loan
Redeeming units
Interest rate
10.5%–12% p.a.*
14%–24% p.a.
No interest
Tax impact
None
None
Capital gains tax payable
Portfolio after
Stays ₹12 lakh, invested
Stays invested
Drops to ₹7 lakh
Documents needed
PAN and OTP only
Salary slips, bank statement, ITR
None
Interest charged on
Only the amount used
Full disbursed amount
Not applicable
Money reaches you in
24–48 hours
2–7 days
2–4 working days

*Indicative figures for illustration. Final rate, limit and terms are set by the lending partner.

Questions, answered

What most investors ask before pledging

Lenders typically offer up to 50% of the value of equity schemes and up to 80% of debt schemes, subject to a minimum of around ₹25,000. The slider above uses the 50% equity rule to give you a quick estimate — your final limit depends on which schemes you pledge and the lender's approved list.

No. The registrar marks a lien on the selected units, which only means you cannot redeem those specific units while the loan is running. The units remain in your folio, in your name, and continue to earn NAV growth and dividends.

Usually not. Because the loan is secured by your investments, most lenders approve on the basis of your PAN, KYC and holdings alone. That makes it a practical option for business owners, freelancers and homemakers who find unsecured loans harder to get.

If the pledged portfolio value drops below the required cover, the lender raises a margin call. You can either pledge additional units or repay part of the outstanding amount to restore the margin. Keeping your drawdown well below the sanctioned limit is the simplest way to avoid this.

Yes. Most LAMF facilities work as an overdraft — you pay interest monthly on the amount used and can repay the principal any time without foreclosure charges. Once you repay, the limit becomes available to use again.

Most open-ended equity, debt and hybrid schemes from major AMCs registered with CAMS and KFintech qualify. ELSS units still inside the three-year lock-in, closed-ended schemes and a few thematic funds are generally excluded. We confirm the exact eligible list after your PAN check.

Your portfolio is already working. Put it to work twice.

Check your credit limit in under a minute. No obligation, no impact on your holdings until you approve the lien.

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