Loan Against Mutual Funds Up to ₹3 Crores
Get instant loans against your mutual fund investments with lowest interest rates starting from 10.5%. Quick approval in minutes, minimal documentation, and flexible repayment options. Compare rates from 50+ banks and NBFCs.
What is Loan Against Mutual Funds?
Loan Against Mutual Funds (LAMF) lets you borrow money by using your mutual fund units as collateral. With PaisaOne, you can digitally lien mark your mutual funds and access immediate financial support.
Overdraft Facility
Works like an overdraft - take out money when needed and pay back when convenient. Pay interest only on the amount used and for the duration used.
Wide Fund Selection
Choose from approved mutual funds from leading AMCs across India. Lien mark funds with CAMS or KFintech for instant access.
Flexible Usage
Manage short or medium-term financial needs while keeping your long-term investment goals intact.
Quick Facts
Features & Benefits of Loan Against Mutual Funds
Experience the convenience of instant liquidity with our comprehensive LAMF solution
Complete 6 simple steps to get an overdraft limit against mutual funds within minutes using our mobile app. Your application will be processed instantly.
No lock-in & no foreclosure charges if you decide to repay your outstanding early. You can make payment anytime with zero charges.
Get access to funds whenever you need them. Required amount credited directly to your bank account on the same day.
Select from approved mutual funds from different AMCs. Lien mark funds registered with both CAMS & KFintech RTAs.
No need to visit branches. Complete your entire journey online from your mobile device without submitting physical documents.
Allow your mutual funds to achieve long-term goals. Continue to retain ownership and reap all associated benefits.
Avail loan at attractive interest rate starting 10.5% p.a. on utilized amount with flexi payment option.
The overdraft limit has a tenure of 12 months and is renewed thereafter for continued access.
Get higher limit up to ₹1Cr for equity mutual funds (45% LTV) and up to ₹3Cr for debt mutual funds (80% LTV).
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.
Download App or Apply via Web
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 from Digilocker
Lien Mark at RTA Portal
Lien mark through CAMS/KFintech portal via OTP authentication
Verify Bank Account
Online bank account verification via e-mandate process
Sign Loan Agreement
Read and digitally sign the loan agreement online
Your Overdraft Facility is Ready!
Start accessing funds immediately after completion
Loan Details & Charges
Transparent pricing with no hidden charges
Loan Details
Total Cost Breakdown
* Taxes as applicable
Eligibility & Documentation
End-to-end digital process with no physical document submission required
- Resident Indian individual
- Valid PAN & Aadhaar Card
- Hold approved mutual funds with CAMS & KFintech
- Age between 18 to 75 years
- Valid email ID and mobile number
- Valid bank account with cheque copy
KYC Documents
PAN and Aadhaar verification through Digilocker
Bank Verification
Online bank account verification via e-mandate
Mutual Fund Lien
Digital lien marking through CAMS/KFintech RTAs
Frequently Asked Questions
Get answers to common questions about loans against mutual funds
LAMF lets you borrow money by using your mutual fund units as collateral. It works like an overdraft where you can take money when needed and pay interest only on the utilized amount.
If your mutual fund value falls below the required margin, you may receive a margin call requiring additional collateral or partial repayment to maintain the loan-to-value ratio.
Interest is calculated daily on the utilized amount at 10.5% p.a. and charged monthly. Interest will be debited on the 3rd working day of every month via NACH mandate.
Currently, only mutual funds registered with CAMS and KFintech (RTAs) can be lien-marked. Demat account holdings may have different procedures.
Once your overdraft facility is set up, funds are disbursed instantly to your registered bank account on the same day of withdrawal request.
Yes, you can partially depledge mutual funds and also swap one mutual fund with another, subject to maintaining the required loan-to-value ratio.
Missing interest payments will result in penal charges of 15% p.a. on the overdue amount. Continued default may lead to invocation of pledged securities.
The overdraft facility can be renewed for another 12 months. You'll need to pay renewal charges of ₹999 plus applicable taxes for continuation.
Ready to Get Your Loan Against Mutual Funds?
Access instant liquidity in just 15 minutes while keeping your investments growing