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Loan Against Mutual Funds

Get quick cash credit without liquidating your compounders. Retain your SIP benefits while accessing funds at low interest rates.

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Why Loan Against Securities?

Instead of breaking your investments during emergencies, pledge them to access instant liquidity. Your portfolio continues to grow while you use the funds for personal or business needs.

9-11%

Interest p.a.*

80%

Max LTV*

24h

Disbursement*

Key Features & Benefits

Retain your SIP compounding benefits and dividends
Extremely low interest rates compared to personal loans
Quick online approval with minimal paper documentation
Flexible overdraft facilities with top banking lenders
No need to sell or redeem your investments
Loan amount based on portfolio value — typically 50-80% LTV
Interest charged only on the utilized amount (overdraft facility)
Seamless digital process with minimal documentation

Advantages Over Personal Loans

Instant Liquidity

Get quick access to funds without waiting for mutual fund redemption cycles (T+1 to T+3 days). Loan disbursement can happen within 24-48 hours.

Low Interest Rates

Interest rates on loans against securities are significantly lower than personal loans or credit card EMIs — typically 9-11% p.a.

No Impact on Portfolio

Your mutual funds and shares continue to earn returns and dividends while pledged. You don't lose the compounding benefit.

Revolving Credit

Overdraft facility lets you borrow, repay, and borrow again. Interest is charged only on the utilized amount, not the sanctioned limit.

Frequently Asked Questions

What securities can I pledge for a loan?

You can pledge mutual fund units (equity and debt), listed shares, ETFs, and select bonds. The eligible securities and loan-to-value ratio depend on the lender's approved list.

How much can I borrow against my portfolio?

Typically, you can borrow 50-80% of your portfolio's market value (LTV). Equity mutual funds usually have a 50% LTV, while debt funds can go up to 80%.

Will I continue to earn returns on my pledged investments?

Yes. Your mutual funds continue to earn NAV growth and dividends. Shares also earn dividends and any corporate action benefits. You retain full ownership.

What happens if my portfolio value drops?

If your portfolio value falls below the required margin, the lender may ask you to pledge additional securities or repay a portion of the loan. This is called a margin call.

Apply for Loan Against Securities

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