Loan Against Mutual
Funds Up to ₹3 Crores
Get instant digital loan against mutual funds with attractive rates starting at 9.99%* p.a. Whether you need to know how to get loan against mutual funds or compare loan against mutual funds interest rate options, we help you choose the best deal from over 50 lenders.
Instant Approval
Minimal DocumentationFeatures & Benefits of Loan Against Mutual Funds
With our comprehensive LAMF solution, you'll enjoy instant liquidity
Get LAMF Limit Online
Using our mobile app or website, apply for an overdraft limit within minutes. The application will be processed instantly
Instant Disbursal
Get access to funds whenever you need them. The required amount is credited directly to your bank account the same day
100% Digital Process
Complete your entire journey from your mobile device or website without submitting physical documents
Zero Foreclosure Charges
We have no lock-in or foreclosure charges if you pay early. You can pay anytime with zero charges
Flexible Loan Tenure
There is a validity period of 12 months for overdraft limits, which are renewed every 12 months
Retain Ownership
Take advantage of all the benefits associated with mutual funds while allowing them to achieve long-term goals
Attractive Interest Rate
Get a loan at an attractive interest rate of 9.99% p.a. on the utilised amount with flexi-payment options
Higher Loan Value
You can now borrow up to ₹1Cr for equity mutual funds (45% LTV) and up to ₹3Cr for debt mutual funds (80% LTV)
What is Loan Against Mutual Funds?
Loans Against Mutual Funds (LAMF) enable you to borrow money using mutual fund units as collateral. PaisaOne allows you to digitally lien mark your mutual funds and access immediate financial assistance.
Overdraft FacilityIt is similar to an overdraft in that you can withdraw money as needed and repay it when it is convenient for you. Interest is only charged on the amount used and for the duration of the loan.
Quick DisbursalAMCs across India offer approved mutual funds to the public. For instant access, lenders should mark the funds with CAMS or KFintech.
Flexible UsageYou should be able to balance your short-term financial needs with your long-term investment goals in a balanced manner.
Loan Against Mutual Funds Quick Facts
How to Avail Loan Against Mutual Funds?
Easily avail digital loan on mutual funds in 6 simple steps. Have your PAN, Aadhaar, and bank details ready.
Open Website/ App
Start your application through our mobile app or web platform
Select Mutual Fund Type
Choose between equity or debt mutual funds for your loan
Complete KYC Registration
One-time KYC using PAN and Aadhaar details
Lien Mark at RTA Portal
Lien mark through the CAMS portal via OTP authentication
Documentation
Online bank account verification via e-mandate process
Sign Loan Agreement
Read and digitally sign the loan agreement online
Eligibility & Documentation
End-to-end digital process with no physical document submission required
Eligibility Criteria
Resident Indian individual- Valid PAN & Aadhaar Card
- Age between 18 to 75 years
- Valid email ID and mobile number
- Valid bank account with cheque copy
- Hold approved mutual funds with CAMS & KFintech
Digital Documentation
- KYC DocumentsPAN and Aadhaar verification through DigiLocker
- Bank VerificationOnline bank account verification via e-mandate
- Mutual Fund LienDigital lien marking through CAMS/KFintech RTAs
Frequently Asked Questions
Get answers to common questions about loans against mutual funds
Ready to Get Your Loan Against Mutual Funds?
Access instant liquidity in just 15 minutes while keeping your investments growing