Unlock the power of your investments without selling them. Get instant cash at low interest rates while your mutual funds continue to grow. Keep your SIPs running and wealth compounding.
Portfolio
Growing
Cash
Available
Save up to 50% on interest costs!
The smart way to access liquidity without disrupting your investment journey
Paperless journey from application to disbursement. No branch visits needed.
Starting at 10.5% p.a. - significantly lower than personal loans (14-24%).
Get up to 50% of equity fund value and 80% of debt fund value as loan.
Pay only interest monthly. Principal repayable anytime without penalty.
Get liquidity in 4 simple steps
Link your portfolio and check your loan eligibility instantly
Mark lien on your mutual fund units digitally (no paperwork)
Receive sanctioned limit and withdraw as per your need
Use your credit line multiple times, pay interest only on usage
Don't interrupt your compounding journey. Use your assets efficiently without liquidating them.
Your mutual funds stay invested and continue earning returns
Interest charged only on withdrawn amount, not sanctioned limit
Repay anytime without any prepayment or foreclosure charges
Get money in your bank account within 4 hours of approval
Everything you need to know about Loan Against Mutual Funds
LAMF is an overdraft facility where you pledge your mutual fund units as collateral. You get a credit line based on your portfolio value and can withdraw as needed. Your investments continue to grow while you enjoy liquidity.
LAMF rates (10.5-12%) are significantly lower than personal loans (14-24%). Plus, you don't sell your investments, so you don't miss out on market growth. Interest is charged only on the amount you actually use, not the entire limit.
Equity, debt, and hybrid funds from most AMCs are eligible. ELSS funds (after 3-year lock-in), liquid funds, and some sectoral funds may have specific conditions. We help you identify eligible funds from your portfolio.
You pay only the interest amount monthly. Principal can be repaid anytime without any prepayment penalty. Most lenders offer flexible repayment - you can repay partially and re-draw as needed.
If your portfolio value drops significantly, the lender may ask you to pledge more units or repay part of the loan (margin call). We help you maintain adequate margin to avoid forced liquidation.
Most lenders have a minimum of ₹50,000 to ₹1 lakh. Maximum depends on your portfolio value - you can get up to 50% of equity and 80% of debt fund value as loan.
