Loan Against Mutual Funds
Pledge your mutual fund units to a lender and get funds – your investment stays in your name.
Fund bechein bina zaroorat poori karein.
If fund value falls, the lender may ask for more money or units (margin call). If not met, pledged units can be sold.
Why Loan Against Mutual Fund?
Borrow against eligible mutual fund units. Many lenders offer it as a credit line – interest on what you use.
Stay invested
No need to redeem your units.
Credit line
Withdraw as needed, up to your limit.
Digital pledge
Usually done online via the registrar.
Margin call
Falling markets may need top-up.
Lender charges
Interest, processing and pledge fees.
Locked units
Pledged units can’t be sold until released.
Who can apply
- Eligible MF units in your name
- KYC complete
- Minimum fund value
- Credit check (some lenders)
General guide only. Each lender sets its own rules; meeting them does not guarantee approval.
Documents
- PAN
- Aadhaar / KYC
- MF holding statement (CAS)
- Bank details
The lender may ask for more.
Charges to check
Set by the lender and different for each person. Check these in the Key Facts Statement (KFS) before you sign.
| Charge | What it means |
|---|---|
| Interest rate | On used amount or full loan, as per lender. |
| Processing fee | One-time + GST. |
| Pledge / unpledge | May apply when units are pledged or released. |
| Margin call | Top-up needed if value falls. |
| Penal charges | On late payment. |
Loan Against Mutual Fund EMI Calculator
Check your approximate monthly EMI before you borrow. Use the rate your lender quotes.
How to apply
- UnderstandRead this page and check your needs.
- PrepareKeep documents ready.
- ChooseSelf-apply or take our paid help.
- Lender decidesApproval and terms are the lender’s call.
Self-apply with a partner
Partner links appear here only where we have a written referral agreement. You will leave our website and the lender’s terms apply.
Apply online with our partner
Opens the partner’s website in a new tab.
Apply on partner site ↗You will leave our website. We may receive referral compensation. Final decision is the lender’s.Ask us on WhatsApp for current Loan Against Mutual Fund partner options – we share only up-to-date, authorised links.
Questions about Loan Against Mutual Fund?
Message us on WhatsApp – we explain in simple language. Aapki bhasha mein baat karte hain.
- WhatsApp: +91 90990 08561
- mdexim61@gmail.com
- Mon–Sat, 10:00 AM – 5:00 PM (closed on national holidays)
- We never ask for OTP, PIN or passwords
FAQs
Will my mutual fund be sold?
No, unless a margin call is not met – then the lender may sell pledged units.
How much can I get?
A part of fund value; different for equity and debt funds. The lender decides.
Can my SIP continue?
Usually yes, but pledged units can’t be sold or switched. Confirm with the lender.
Do you charge a fee?
No fee from us if you self-apply through a partner link. Optional paid consultation: ₹100 processing fee + consultation charges (5% of disbursed amount for personal loan, 3% for business loan), no GST. Shared before you pay.
Will you ask for my OTP or password?
Never. Do not share OTP, PIN, password or CVV with anyone, even if they use our name.
Loan Against Mutual Fund: Loan Against Mutual Fund is offered by banks/NBFCs. Limit, rate, charges and margin rules are set by the lender.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Disclaimer: We are an independent loan advisory and assistance service provider, not a bank or NBFC. Loan approval and disbursement are subject to the respective lender’s eligibility criteria, credit assessment and internal policies. We do not guarantee loan approval. *T&C Apply.
Consultation charges apply only if you choose our optional paid consultation. Fees are for consulting and assistance services, not a guarantee of approval. We may receive referral compensation from partners when you apply through our links.