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📈 Finance Product

Loan Against Mutual Funds

Put your mutual funds to work without redeeming them.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Upto 50 cr\
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Mutual Funds — Key Facts

Loan Amount / Ticket size
Upto 50 cr\
Interest Rate / Cost
From \~9% p.a. (on drawn amount)
Collateral
Lien on pledged mutual fund units
Tenure
Overdraft, typically renewed annually
Turnaround Time
Fast, largely digital lien marking
Best For
Investors needing short-term liquidity
Overview

What It Is & How It Works

⚠️ Regulatory note: Effective July 2026, the RBI applies an aggregate cap of ₹1 crore per borrower on loans against listed securities (LTV-eligible). We structure your facility within the applicable limits and confirm the current cap at the time of sanction.

Overdraft facility secured by a pledge on mutual fund units through the loan tenure.

How It Works

The Process, Visualised

How the pledge worksYour Mutual FundsPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Holder of eligible mutual fund units (KYC-compliant)
  • Units from the lender\'s approved scheme list
  • Individual, HUF, or non-individual entity
  • ELSS units out of their 3-year lock-in
  • Acceptable credit profile

Documents Required

  • Mutual fund holding / consolidated account statement
  • PAN and Aadhaar
  • Bank account details
  • KYC of the applicant
  • Board resolution (for non-individual applicants)
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Mutual Funds

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Yes. A lien is marked on your units, but they stay in your name and continue to move with the market --- you don\'t redeem to raise funds.
LTV depends on the fund type --- roughly 50--60% for equity, 55--65% for hybrid, and 75--85% for debt funds --- subject to the ₹1 crore aggregate LAS cap per borrower from July 2026.*
Only after their three-year lock-in has ended; during lock-in, ELSS units cannot be pledged.
If the value drops below the required margin, the lender may ask you to pledge more units or partly repay to restore the LTV.
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