Loan Against Mutual Fund

Loan Against Mutual Funds (LAMF): Unlock Liquidity Without Selling Your Investments

At our firm, we offer Loan Against Mutual Funds as a smart, tax-efficient way to access liquidity while keeping your long-term investments intact and growing.

This facility allows you to borrow against your mutual fund portfolio without redeeming units — perfect for emergencies, opportunities, or bridging short-term cash needs.

Why Choose Loan Against Mutual Funds?

• No Need to Sell your equity or hybrid funds — your investments continue to grow

• Lower Interest Rates compared to personal loans or credit cards

• Quick Processing — Funds usually available within 24–72 hours

• Tax Efficient — No capital gains tax triggered on redemption

• Flexible Repayment — Pay interest only or part principal as convenient

• Retains Compounding Benefit of your mutual fund portfolio

Key Features

• Loan up to 50–70% of your mutual fund portfolio value (depending on scheme type)

• Overdraft facility or term loan options available

• Accepted collateral: Equity, Debt & Hybrid Mutual Funds

• Competitive interest rates with minimal documentation

• No prepayment penalty in most cases

How LAMF Fits into Your Financial Plan

• Emergency Liquidity for Bucket 1 without disturbing your growth assets

• Short-term Opportunities — Real estate, business needs, or market dips

• Retirement Planning — Bridge cash flow gaps without disrupting your Bucket Strategy or retirement income

• Portfolio Optimization — Maintain asset allocation while meeting cash requirements

We carefully evaluate your portfolio, suggest the right funds as collateral, and ensure the loan aligns with your overall risk profile and retirement goals.

Need funds without breaking your investments?

Book a confidential consultation for a quick LAMF eligibility check and customized solution.