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Loan Against Mutual Funds | Unlock Liquidity Without Selling | Xfundz
Loan Against Mutual Funds (LAMF)

Unlock liquidity without selling your investments

Pledge your mutual fund units and get a quick line of credit while your portfolio continues to stay invested. Fast, paper‑light, and flexible.

⚡ Instant eligibility check 🛡️ Units remain in your name ₹ Transparent charges
Check Eligibility How it works
No impact on ownership. You can prepay anytime.

5 Key Benefits of Loan Against Mutual Funds

Borrow smartly while your investments continue to grow.

Instant Liquidity Without Selling

  • Pledge mutual fund units and retain ownership.
  • No redemption, no capital gains tax.
  • Continue earning potential upside.

Lower Interest Cost

  • Cheaper than unsecured personal loans.
  • Pay interest only on withdrawn amount.
  • Digital dashboard for easy tracking.

Flexible Usage & Repayment

  • Withdraw funds as per need.
  • No restrictions on end-use.
  • Prepay anytime without penalty.

Quick & Paperless Journey

  • 100% digital process with instant approval.
  • Fast disbursal to your bank account.
  • Minimal documentation required.

Preserves Long-Term Wealth

  • Stay invested and benefit from compounding.
  • Financial goals remain on track.
  • Unpledge units after repayment easily.
Check Eligibility Now

How it works

Check eligibility

Click the button and complete a quick check based on your MF holdings.

e‑NACH & pledge

Authorize the pledge of units. Units remain in your name—only a lien is marked.

Get limit

Receive an approved limit. Withdraw when needed and pay interest only on usage.

Unpledge anytime

Repay and remove lien when you’re done. Continue your investment journey.

Who can apply?

  • Indian residents with KYC‑compliant mutual fund units (demat or statement of account).
  • Primary holder must be the borrower; joint holders may require consent.
  • Minimum age and income as per lender policy.

Basic documents

  • PAN, Aadhaar & recent address proof.
  • Bank account details for disbursal & repayments.
  • MF folio details for unit pledge.

Charges (typical)

  • Interest charged only on the amount utilized.
  • Processing & lien marking charges may apply per lender.
  • No prepayment penalty in most cases. Check specific terms before proceeding.

FAQs

What is a loan against mutual funds?
It’s a secured credit facility where you pledge your mutual fund units as collateral and get a loan or overdraft limit without selling those units.
Do I lose ownership of my units?
No. The units remain in your name. A lien is marked in favor of the lender until the loan is repaid.
How much can I borrow?
The limit depends on the portfolio value, scheme type, and lender’s loan‑to‑value (LTV) norms. Use the estimator above for an indicative number and proceed to check exact eligibility.
Is there any lock‑in or foreclosure charge?
Generally, you can prepay anytime. Actual charges depend on the lender. Review the term sheet during application.
Will my credit score be impacted?
As with any credit facility, timely repayment helps your score; missed payments can hurt it.

Ready to get started?

Check your eligibility online in minutes and keep your investments working for you.

Check Eligibility
Paper‑light100% digital journey
FlexibleWithdraw only when needed
SmartKeep compounding while you borrow

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