Get instant liquidity by pledging your mutual fund units without selling your investments. Continue earning returns while accessing funds.
Get funds within 24-48 hours. Quick disbursement without selling your valuable investments.
Your mutual funds continue to earn returns even while pledged. Never miss out on market growth.
Competitive interest rates starting at 9.50% p.a. Much cheaper than personal loans or credit cards.
Zero collateral needed. Your mutual fund units serve as security for the loan.
| Bank / Institution | Interest Rate (p.a.) | Max Loan Amount | LTV Ratio | Processing Time | Apply |
|---|---|---|---|---|---|
| ICICI Bank | 9.50% - 12.00% | ₹5 Crore | Up to 50% | 24-48 Hours | Apply |
| HDFC Bank | 9.75% - 12.50% | ₹3 Crore | Up to 50% | 2-3 Days | Apply |
| Axis Bank | 10.00% - 13.00% | ₹2 Crore | Up to 45% | 2-4 Days | Apply |
| IndusInd Bank | 10.50% - 13.50% | ₹1 Crore | Up to 40% | 3-5 Days | Apply |
| Bajaj Finserv | 9.00% - 14.00% | ₹2 Crore | Up to 50% | 24 Hours | Apply |
| Kotak Mahindra Bank | 10.25% - 12.75% | ₹1.5 Crore | Up to 45% | 2-3 Days | Apply |
Meet working capital requirements or business expansion needs
Fund higher education or professional courses without redemption
Make down payment for a new property while keeping investments intact
Handle unexpected medical expenses without disturbing long-term investments
Meet wedding expenses, travel, or any personal financial requirements
Leverage funds to grab time-sensitive investment opportunities
Verify your mutual funds are eligible and check the LTV available on your portfolio
Choose the loan amount you need (up to the sanctioned LTV limit)
Submit your demat account details and authorize pledge of mutual fund units
Receive funds in your account within 24-48 hours
Apply for Loan Against Mutual Funds today and unlock liquidity while keeping your investments intact
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You can get up to 50% of your mutual fund's Net Asset Value (NAV) for equity funds and up to 75% for debt funds. The maximum loan amount varies by lender, typically ranging from ₹1 Lakh to ₹5 Crores.
Yes! Your mutual fund units remain invested and continue to earn returns even while pledged. The gains or losses accrue to your account as usual. The pledge is only a lien on the units, not a redemption.
If the value of your pledged mutual funds falls below the required LTV ratio, the lender may issue a margin call asking you to either pledge additional units or repay part of the loan to maintain the ratio.
Yes, you can purchase additional units in your demat account even after pledging. These new units can be added to your pledged portfolio to maintain or increase your loan eligibility.
Most lenders do not have a lock-in period for this loan product. However, some may charge a small processing fee. You can repay the loan anytime without prepayment penalties.
Most liquid, equity, and debt mutual funds that are in demat form are eligible. However, tax-saving ELSS funds and closed-ended schemes may have restrictions. Check with your lender for the complete list of eligible schemes.