Loan Against Mutual Funds
Access instant liquidity without redeeming your mutual fund investments. Continue earning potential market returns while securing a low-interest credit line through a fast, secure and digitally managed lending process.
Continue Investing While Accessing Instant Liquidity
Loan Against Mutual Funds helps investors unlock liquidity without redeeming their investment portfolio. Instead of disturbing long-term wealth creation goals, eligible mutual fund units can be pledged to access a secured credit facility with flexible repayment options and lower borrowing costs.
A Smarter Alternative To Redeeming Investments
Whether you require short-term liquidity for business expansion, emergency funding, tax planning or personal financial requirements, Loan Against Mutual Funds provides a more efficient financing option compared to unsecured borrowing or premature redemption.
Investors can continue participating in potential market growth, maintain SIP continuity and preserve long-term investment strategies while accessing immediate funding support through a secured structure.
Continue Wealth Creation
Keep investments active without redeeming long-term holdings.
Competitive Rates
Secured lending structure enables lower borrowing costs.
Digital Processing
Digital lien marking and approvals reduce turnaround time.
Secure Structure
Regulated process with lender-approved pledge mechanism.
Suitable For
Investors seeking liquidity without redeeming long-term investments
Salaried professionals managing temporary financial requirements
Business owners requiring short-term working capital support
High-net-worth investors looking for low-cost leverage solutions
50% – 70%
Equity Mutual Funds
Based on scheme volatility & policy75% – 85%
Debt Mutual Funds
Higher LTV for low-volatility schemes24 Hours
Approval Timeline
Digital verification & fast processFlexible
OD Repayment
Interest charged only on utilized loanFlexible Funding Solutions For Different Investor Needs
WealthMoney helps investors structure financing solutions based on portfolio type, liquidity requirements and repayment flexibility. Whether you require short-term liquidity, an overdraft facility or a structured secured loan, multiple funding formats can be aligned with your investment profile.
Overdraft Against Mutual Funds
Access a revolving credit facility against eligible mutual fund units and pay interest only on the utilized amount.
Flexible withdrawal & repayment structure
Interest charged only on utilized limit
Suitable for short-term liquidity management
Term Loan Structure
Structured loan facility with predefined tenure and repayment schedule for planned financial requirements.
Fixed repayment structure & tenure
Suitable for business & personal funding
Secured financing with competitive pricing
Instant Digital Processing
Streamlined digital workflow with online verification, lien marking and faster approval timelines.
100% digital onboarding process
Quick verification & lender evaluation
Faster access to approved credit limits
Structured Funding Based On Your Portfolio
Funding structures may vary depending on mutual fund category, portfolio quality, lender risk assessment, repayment preference and overall investment profile.
Portfolio-Based Loan Evaluation
Loan eligibility, sanctioned limits and lending structure are evaluated based on the quality, stability and composition of your mutual fund portfolio. Different mutual fund categories may qualify for different LTV ranges depending on lender risk assessment policies.
Key Parameters Considered During Portfolio Assessment
Lenders generally evaluate the overall portfolio quality before approving a Loan Against Mutual Funds facility. Factors such as fund category, volatility profile, liquidity and concentration risk may influence the final sanctioned limit and applicable loan structure.
Fund Category
Debt and equity mutual funds may qualify for different LTV ranges.
Portfolio Volatility
Stable portfolios may support better lending structures and higher limits.
Liquidity Profile
Open-ended and liquid schemes are generally preferred by lenders.
Diversification
Diversified portfolios may reduce concentration risk during evaluation.
Indicative Portfolio Evaluation Factors
Debt Fund Stability
High PreferenceEquity Fund Volatility
Moderate RiskPortfolio Diversification
Important FactorScheme Liquidity
PreferredImportant Assessment Notes
Equity mutual funds generally qualify for lower LTV ranges due to higher market volatility.
Debt mutual funds may support higher LTV structures depending on scheme quality and liquidity.
Final approval and sanctioned limits remain subject to lender evaluation policies.
Flexible Lending Structure With Investor-Friendly Features
Loan Against Mutual Funds offers a secured and flexible borrowing structure designed for investors seeking liquidity without disturbing long-term investment goals. Eligibility, LTV limits and pricing structures may vary depending on portfolio composition and lender policies.
Applicant Eligibility
Resident Indian individuals may apply subject to lender policies
Salaried professionals, self-employed individuals & business owners eligible
Applicants should hold eligible mutual fund investments in approved schemes
KYC compliance and PAN verification required during onboarding
Portfolio Eligibility
Only lender-approved mutual fund schemes may qualify for pledge
Debt and equity mutual funds may have different LTV structures
Portfolio liquidity and diversification may influence sanctioned limits
Final approval depends on lender evaluation and market conditions
Key Features, Interest Rates & LTV Structure
Lending structures may vary depending on fund category, portfolio quality, market volatility and lender-specific policies.
Equity Mutual Funds
50% – 70%
Indicative LTV range for eligible equity-oriented mutual fund schemes.
Debt Mutual Funds
75% – 85%
Higher LTV structures may be available for select low-volatility debt funds.
Interest Rates
9% – 13%
Interest rates may vary depending on lender, profile strength and portfolio quality.
Loan Structure
OD Facility
Flexible overdraft structure with interest charged only on utilized amount.
Processing Timeline
24 – 48 Hrs
Faster approval timelines with digital verification and lien marking process.
Repayment
Flexible
Repayment flexibility depending on overdraft or structured term loan facility.
Investment Continuity
Active Holdings
Continue participating in potential portfolio growth without redemption.
Digital Process
100% Online
Secure digital onboarding and lien marking for eligible mutual fund units.
Indicative LTV ratios, interest rates and funding structures are subject to lender evaluation, approved scheme list, portfolio quality and prevailing market conditions.
Calculate Eligibility Based On Debt & Equity Mutual Funds
Enter your equity and debt mutual fund portfolio values separately to calculate indicative eligible loan amount and estimated monthly payable interest based on customized LTV and interest rate inputs.
Portfolio Details
₹18,00,000
Indicative Lending Structure
Need Accurate Loan Assessment?
Get lender-level portfolio evaluation, indicative sanctioned limit and customized funding structures based on your holdings.
Get Loan OffersFast Digital Process & Minimal Documents
Get instant liquidity against your mutual fund portfolio through an end-to-end digital approval system.
Loan Application Process
4 Simple StepsSubmit Portfolio Details
Share your debt and equity mutual fund holdings for instant eligibility calculation.
LTV & Offer Assessment
Approved schemes and maximum credit limits are evaluated by partner lenders.
KYC & Digital Lien Marking
Verify identity online and authorize digital lien marking on approved units.
Sanction & Disbursement
Receive loan amount directly into your registered bank account within hours.
Required Checklist
Zero PaperworkPAN & Aadhaar Verification
Required for identity verification, address proof, and digital KYC approval.
Mutual Fund Holding Statement
Latest CAS or CAMS/KFintech statement for portfolio valuation.
Bank Account Proof
Cancelled cheque or bank statement for setting up instant disbursement.
Financial Proof (If Required)
Additional income proof may be requested based on higher loan limits.
Smart Lending Experience Built For Modern Investors
WealthMoney helps investors unlock liquidity against mutual fund investments through structured funding solutions and digital onboarding.
Digital & Secure Process
Streamlined digital workflow with secure document handling, online verification, and smooth onboarding support.
Competitive Rates
Access lender-driven funding structures based on portfolio quality, mutual fund category, and LTV profile.
Faster Loan Processing
Quick portfolio evaluation and efficient approval workflows designed for investors seeking timely liquidity.
Equity & Debt MF Coverage
Funding solutions available across approved equity and debt mutual fund schemes with category-based assessment.
Continue Investment Growth
Unlock liquidity without redeeming your mutual fund units and stay invested to keep participating in market returns.
Dedicated Assistance
Personalized support for portfolio review, documentation guidance, and smooth lender coordination.
₹50Cr+
Loans Facilitated
Equity & Debt
Mutual Fund Coverage
100%
Digital Workflow
24–48 Hrs
Processing Timeline
Smart Liquidity Solutions For Different Financial Needs
Loan Against Mutual Funds helps investors access liquidity for personal, business, and investment requirements without redeeming holdings.
Emergency Financial Needs
Access quick liquidity for urgent personal expenses while keeping your mutual fund investments intact.
Investment Opportunities
Utilize available funding for market opportunities or portfolio diversification without liquidating holdings.
Business Cash Flow Support
Manage working capital requirements or temporary business cash flow gaps through secured funding.
Education & Lifestyle
Fund education, travel, medical, or major lifestyle expenses without disturbing long-term investments.
Entrepreneur Needs
Secure liquidity for business expansion, operational requirements, or professional commitments.
Avoid Premature Redemption
Continue benefiting from market participation while unlocking funds against eligible mutual fund holdings.
Access Funds Without Selling Your Mutual Fund Investments
Continue participating in market growth while unlocking liquidity against eligible debt and equity mutual fund holdings through a structured lending solution.
Frequently Asked Questions
Explore common questions related to Loan Against Mutual Funds, eligibility, LTV structure, process, and repayment flexibility.