▲ AMFI REGISTERED MUTUAL FUND DISTRIBUTOR
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Get Loan Against Mutual Funds at 10.49% p.a.

Unlock an overdraft facility against your mutual fund portfolio without selling your investments. 100% digital process with quick disbursal.

  • Limit approval in just 10 minutes
  • Pay interest only on the utilized amount
  • Zero prepayment or foreclosure charges
  • Keep earning returns on your mutual funds

Check your Loan Eligibility instantly

Estimate the maximum overdraft limit you can get against your current mutual fund portfolio.

₹10,00,000
₹1L₹50L₹1Cr

Estimated Overdraft Limit

If Equity Funds

Up to 75% of value

₹7,50,000

If Debt Funds

Up to 80% of value

₹8,00,000

*Final limit depends on the specific AMCs and schemes you hold.

Why choose an Overdraft Facility?

Get the liquidity you need without sacrificing your long-term wealth creation goals.

Compounding Continues

Your mutual funds continue to earn market returns and compound even while pledged.

Pay on Utilized Amount

Interest is charged only on the exact amount you withdraw, not the full limit.

Zero Prepayment Penalty

Close your loan or prepay any amount whenever you have surplus cash.

Better Than Personal Loans

Enjoy much lower interest rates compared to unsecured personal loans.

Why LAMF is the smarter choice

Compare Loan Against Mutual Funds with traditional personal loans and the cost of redeeming your investments.

Feature
LAMF (Overdraft)
Personal Loan
Selling Mutual Funds
Interest Rate
10.49% p.a.
12% - 24% p.a.
N/A (Loss of future returns)
Impact on Portfolio
Continues to grow
No impact
Stops compounding immediately
Repayment Flexibility
Pay interest only, prepay anytime
Fixed monthly EMIs
N/A
Prepayment Penalty
Zero
2% - 5% of outstanding
N/A
Tax Implications
No capital gains tax
None
Capital gains tax applicable
Processing Time
10 Minutes (Digital)
2 - 7 Days
2 - 3 Days

How it Works

A simple, 100% digital process with zero paperwork required.

Step 01

Check Limit Eligibility

View the maximum loan amount available against your mutual fund portfolio.

Step 02

Pledge Digitally

Select the mutual funds you want to pledge. The lien is marked securely via CAMS/KFintech.

Step 03

Disbursal in 10 Mins*

The cash limit is unlocked and funds are transferred directly to your registered bank account in 10 minutes.

Frequently Asked Questions

Everything you need to know about getting a loan against your mutual funds.

Yes! Even though your mutual funds are pledged as collateral, they remain in your name. You will continue to receive all dividends, bonuses, and market returns as usual.
No. This is an overdraft facility. You only need to pay the interest on the utilized amount every month. The principal can be repaid whenever you have surplus funds, without any prepayment penalty.
The loan limit depends on the value of your mutual fund portfolio and the specific AMC policies. Generally, you can get up to 45% of the value for Equity funds and up to 80% for Debt funds.
Absolutely zero. You can close your loan account or prepay any part of your principal amount at any time without incurring any hidden charges or foreclosure penalties.
Yes, it is 100% secure. The lien is marked directly through CAMS or KFintech (the official registrars) via an OTP-based digital process. Your funds are never sold or transferred to anyone else.

Ready to take control of your financial future?

No commitment required. 100% confidential.

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