Digital Infrastructure for
Loan Against Mutual Funds and Shares

Building for RBI-Regulated Banks and NBFCs

City Union Bank

Interest rate from 8.99% p.a.

Loans starting at ₹10,000
Instant UPI Integration

Bajaj Finance Limited

Leads with 35%+ MARKET share

Lowest processing fees
Highest loan eligibility of up to ₹5 Cr

Suryoday Small Finance Bank

Up to 80% Loan-to-Value ratio

Term Loan & Overdraft options
Instant UPI Integration

Karur Vysya Bank

Newly Added partner

Loans starting at ₹25,000
Quickest lodgement time

Aditya Birla Capital

Newly added partner

Instant loan creation and approval
Wide range of approved securities

City Union Bank

Interest rate from 8.99% p.a.

Loans starting at ₹10,000
Instant UPI Integration

Bajaj Finance Limited

Leads with 35%+ MARKET share

Lowest processing fees
Highest loan eligibility of up to ₹5 Cr

Suryoday Small Finance Bank

Up to 80% Loan-to-Value ratio

Term Loan & Overdraft options
Instant UPI Integration

Karur Vysya Bank

Newly Added partner

Loans starting at ₹25,000
Quickest lodgement time

Aditya Birla Capital

Newly added partner

Instant loan creation and approval
Wide range of approved securities

Check my eligibility

why loan against mutual funds

Key Benefits

Stay Invested,
Keep Growing

Your mutual funds remain invested, so you keep earning returns while accessing cash.

Lower Interest, Higher Value

Enjoy rates far below personal loans or credit cards, with a higher sanctioned amount.

Flexible
Repayments

Pay interest only on what you use and repay principal anytime without penalties.

Instant & 100% Digital Process

Apply online, pledge digitally and get disbursement within hours without branch visits.

Enjoy rates lower than personal loans or credit cards, with higher sanctioned limits

Check my eligibility

How it works

From Portfolio to Cash in Just 3 Steps

Step 1/3

Apply and check eligibility

Your mutual funds remain invested, so you keep earning returns while accessing cash.

Step 2/3

Pledge your funds

Select the funds you wish to pledge. Lien marking is carried out digitally via a SEBI-compliant process, with no requirement for physical paperwork.

Step 3/3

Get instant disbursal

The loan is approved within minutes and credited directly to your bank account, available 24x7. Your investments stay intact while you access liquidity.

why pledge instead of selling?

Unlock cash, Preserve wealth

Compounding Works

Your funds stay invested, keep earning - even while pledged. No loss on market upside.

Avoid Bad Timing Losses

Selling in a dip locks losses. Pledging lets you ride the recovery and access cash.

Maintain Tax Efficiency

No capital gains tax triggered because you’re not selling units. Keep your tax planning intact.

Access More, Pay Less

Get up to 80% of your MF value with lower rates than personal loans or credit cards.

Flexibility with Control

Pay interest only on what you use. Repay principal when you want without any penalties.

Let your portfolio keep growing while you get the funds you need

Check my eligibility

Frequently Asked Questions

We’ve Got Answers

What exactly is a loan against mutual funds?

It’s a secured loan where you use your mutual fund units as collateral. You don’t sell them as they remain invested, and you keep earning returns while getting instant liquidity.

How much can I borrow?

Loan amounts are usually 50%–80% of your mutual fund value, depending on whether it’s equity or debt faunds. Our eligibility checker will give you an instant figure.

Which mutual funds are eligible?

Most equity and debt mutual funds from major AMCs are accepted. We cover 6,000+ schemes through CAMS and KFintech.

Is my money safe when I pledge?

Yes. Your units stay in your name. They are just lien-marked digitally with the registrar. Once you repay, the lien is removed, and your funds are free again.

Learn about LAMF

Call us for a 5-minute practical introduction

+91 86456 27153

Disclaimer: Loan approval and terms are subject to analysis of your mutual fund portfolio and fulfillment of KYC/eligibility criteria. The exact loan-to-value (LTV) offered will depend on the type of mutual funds pledged and may vary (e.g. up to ~50% for equity funds and ~75% for debt funds, as per industry norms and as per a particular lender). Mutual fund investments will be lien-marked in favor of the lender during the tenure of the loan, meaning you cannot redeem or sell those units until the loan is repaid. However, you continue to remain the owner of the funds and enjoy all gains/dividends. Interest rates and other charges will be clearly disclosed in the sanction letter; please read all terms and conditions carefully. Finsire is a technology platform facilitating loans issued by its partner banks/NBFCs – all loans are at the sole discretion of the lending partners. Mutual Funds are subject to market risks; a fall in NAV of pledged funds may require additional collateral or partial repayment (margin call). Make sure to borrow responsibly and have a repayment plan in place to avoid liquidation of your investments.