Loan Against Mutual Funds
Pledge your existing mutual fund units as collateral to access short-term liquidity, while your investments stay put and continue to remain invested.
Loan Against Mutual Funds at a glance
Pledge your existing mutual fund units as collateral to access short-term liquidity, while your investments stay put and continue to remain invested.
What to know before you start
Pledge, don't redeem
Keep your investments intact and continue to hold your units while unlocking short-term liquidity against their current value.
Coordinated with lending partners
We help coordinate the pledge (lien-marking) process with the lender and the concerned AMC / RTA, rather than a redemption.
Loan amount linked to folio value
The sanctioned amount is typically a percentage of your folio's current value, subject to the lender's margin norms and scheme-wise eligibility.
Often structured as an overdraft
Many lending partners offer this as an overdraft-style facility, with interest charged only on the amount actually drawn, not the full sanctioned limit.
Common questions
No. Your units are pledged (marked as a lien) with the AMC / RTA in favour of the lender; you continue to hold them and they remain invested.
Lenders may ask for additional margin or a partial top-up of pledged units if the collateral value drops below a threshold, similar to a margin call. Exact terms vary by lender.
Eligibility varies by lender and AMC — not every scheme or fund house's units may be accepted as collateral. We'll confirm eligibility for your specific folios before you apply.
No. We coordinate the pledge and application process with our lending partners; the loan itself is sanctioned and disbursed solely by the lending institution.
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ExploreHave questions about Loan Against Mutual Funds?
Write in, call, or WhatsApp us — we'll walk you through the specifics before you commit to anything.