Stay invested
Your units are only pledged, never sold. You keep the upside, dividends, and long-term compounding while borrowing against them.
Pledge your mutual fund units and get an instant overdraft at interest rates far below a personal loan — while your investments stay invested and keep compounding.
The latest loan against mutual funds factsheet, curated by our research desk.
Your units are only pledged, never sold. You keep the upside, dividends, and long-term compounding while borrowing against them.
Interest is charged only on the amount you use, not the full sanctioned limit — dramatically cheaper than personal loans or credit cards.
Pledge equity or debt funds online via CAMS/KFintech in minutes. No paperwork, no branch visit, no income proof for most limits.
Draw and repay any amount, any time. Interest accrues only on the outstanding balance — ideal for short-term cash-flow gaps.
Borrow up to 80% against debt funds and up to 50% against equity funds, subject to lender norms and scheme eligibility.
Repay whenever you like without charges. Unpledge your units the moment the outstanding is cleared.
Share your mutual fund holdings. We compute your sanctioned limit across eligible equity and debt schemes instantly.
Authorise the lien digitally through CAMS/KFintech with an OTP. Your units are marked as pledged — you still own them.
The overdraft limit is activated in your account. Withdraw part or all of it whenever you need liquidity.
Pay interest only on what you use. Clear the balance any time and release the pledge on your units.