Instant Liquidity • Loan Against Mutual Funds

Borrow at 9.89% Without Selling Your Funds

Don't break your compounding! Unlock instant credit from ₹25,000 to ₹5 Crore against your existing equity and debt mutual funds. Pay interest only on what you withdraw, enjoy zero foreclosure penalties, and stay invested in the market.

Check Loan Eligibility Online → Call: 9405908605

Key Offer Highlights

Competitive Rate: Low interest starting from 9.89% p.a.
Interest-Only Repayments: No mandatory monthly principal EMI!
Credit Limits: ₹25,000 up to ₹5 Crore portfolio line.
Zero Penalties: No foreclosure or prepayment fees.
Multi-RTA Support: Works across CAMS & KFintech mutual funds.

9.89% p.a.

Starting Interest Rate

₹25K - ₹5Cr

Loan Limit

Up to 90%

Loan to Value (LTV)

₹0

Foreclosure Charges

Why Choose Loan Against Mutual Funds (LAMF)?

A smarter, asset-backed alternative to expensive personal loans or emergency redemptions.

Keep Compounding Alive

Your investments stay in the market. Continue earning dividends and capital appreciation while meeting cash needs.

Pay Interest on Utilized Amount

Interest applies only on the amount transferred to your bank, not on the total sanctioned credit limit.

No Need to Pay Monthly EMI

Service only the interest component monthly. Repay the principal anytime at your convenience.

Avoid Capital Gains Tax

Redeeming mutual funds triggers capital gains taxes. Pledging avoids redemption, keeping your tax liability zero.

Loan Against Mutual Funds Calculator

Estimate your borrowing limit and monthly interest payout.

Mutual Fund Portfolio Value ₹ 5,00,000

Loan Amount to Withdraw ₹ 2,50,000

*Calculated at 9.89% p.a. standard rate for equity mutual funds (up to 50% LTV). Debt funds qualify up to 90% LTV.

Sanctioned Limit (Est.): ₹ 2,50,000

Loan Withdrawn: ₹ 2,50,000

Interest-Only Payout: ₹ 2,060 / mo

Mandatory Monthly EMI: ₹ 0 (Interest only)

Simple 4-Step Digital Journey

Complete loan sanction in 5 minutes with zero paperwork.

Instant Digital KYC

Pledge Portfolio

Select the mutual fund schemes you wish to pledge online without touching principal ownership.

Auto-Pay Setup

Activate a secure e-mandate for automated monthly interest deductions.

Instant Disbursal

Digitally sign agreement documents and receive funds straight into your registered bank account.

Frequently Asked Questions

Key information regarding pledge marking, limits, and repayments.

Do I have to sell or redeem my mutual funds to get this loan?

No, your mutual funds are never sold or redeemed. They are lien-marked (pledged) digitally as collateral with the lender. Your units continue compounding, earning market returns and dividends.

How is interest calculated on a loan against mutual funds?

Interest is charged at 9.89% p.a. only on the amount you actually withdraw, not on your full approved limit. If your limit is ₹5 Lakhs but you withdraw only ₹1 Lakh, you pay interest only on ₹1 Lakh.

How much loan can I get against my portfolio?

You can borrow up to 50% of your equity mutual fund valuation and up to 90% against liquid/debt mutual funds, starting from ₹25,000 up to ₹5 Crore.

Are there any prepayment or foreclosure charges?

None. You can close or partially repay your loan anytime without paying any prepayment or foreclosure penalty fees.

Important Disclosure: Loan Against Mutual Funds (LAMF) is an asset-backed credit facility provided through partnered RBI-registered NBFCs and authorized institutional lenders (including Bajaj Finance Ltd). Loan approval, sanctioned limits, and disbursal timelines depend on portfolio composition, RTA lien confirmation (CAMS/KFintech), and lender underwriting policies. Sahare Wealth / Advisor4U acts as an authorized referral partner.