What is the requirement for taking loan against mutual funds?

A borrower needs to have a mutual fund.

What is the maximum amount that I can get as a loan against mutual funds?

The maximum amount that you can get as a loan against mutual funds depends on the value of your mutual fund units. Different mutual fund companies have different loan-to-value (LTV) ratios, which determine the maximum loan amount.

What is the interest rate for Loan Against Mutual Funds?

The interest rate for the loan against mutual funds starts from 1%.

Is Loan Against Mutual Funds a secured loan?

Yes, Loan against mutual funds is a secured loan as the mutual funds act as the collateral.

Loan Against Mutual Funds

Apply for a Loan Against Mutual Funds Online in India

Q: What is Loan Against Mutual Funds?

Loan Against Mutual Funds is the financial aid in which the mutual funds acts as the collateral. You can avail of the Loan Against Mutual Funds from 50fin within minutes.

Loan on Mutual Funds Without Selling

Apply for Loan Against Mutual Funds

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Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.

Need quick funds? Get a loan against mutual funds online without selling your investments at competitive interest rates.

No Selling of Investments

Instant Disbursal

Digital Process

Competitive Interest Rates

Last Updated: 19-06-2025

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Quick Guide

What is Loan Against Mutual Funds?

Loan against mutual funds is basically a way to get money without breaking your mutual fund investments. You just place your mutual fund unit with the bank and get a loan against it. Your investments stay untouched and keep growing. You just can’t sell them until you repay the loan. Now it’s digital. The whole process happens online, so there is no running to the bank. Just apply online and get the loan disbursed quickly. It is one of the easiest ways to get money fast without disturbing your long-term financial plans.

Features of Loan Against Mutual Funds

A loan against mutual funds online allows investors to meet their short-term financial needs without liquidating their investment. This facility is available for both equity and debt funds. Even customers with no credit history can access these loans.

Want to know all the benefits of these loans? They are all listed for you below:

Instant money in your account within minutes

Works for both equity and mutual funds

No need to sell or break your investments

Your mutual funds keep earning returns

Credit History Not Required

Interest is applied only on the amount withdrawn

Hundred percent digital process through the bank's website

It’s available no matter where you are in India

Less stress and more flexibility when you need funds

Eligibility

Eligibility Criteria for Loan Against Mutual Funds Online

The following table depicts the loan against mutual funds eligibility:

Age

Must be 18 years or above

Investor Type

Resident individual or HUF

Ownership

Only approved equity or debt mutual funds

Mutual Fund Type

Applicant must be a salaried or self-employed professional

Fund Status

Units must be active and not already pledged

KYC Compliance

Must be KYC compliant as per SEBI guidelines

Account Type

Should have an active savings or current account

PAN Card

A valid PAN card is mandatory

Lender’s Approved List

The fund should be from an AMC approved by the lender

Documentation Required for a Loan on Mutual Funds

Documents

When you are applying for a loan against mutual funds online, the paperwork is pretty light. Here is a list of the commonly required documents when applying for such loans:

PAN card

Aadhaar card or any valid address proof

Latest mutual fund statement

Bank account details for dispersal

Passport size photo (in some cases)

Signed application form (digital or scanned copy)

Client master list from your demat account

KYC compliance confirmation

Income proof (may be asked for large amounts)

Mobile number linked with Aadhaar (for OTP/verification)

Simple Digital Process

How to Apply for a Loan Against Mutual Funds with My Mudra

At My Mudra, getting a loan against your mutual funds is quick, 100% digital, and completely secure. Here's how it works:

Step 1

Apply Online: Fill out a short form on the My Mudra website with your basic details, mutual fund scheme name, and desired loan amount.

Step 2

Upload Documents Securely: Upload your PAN, Aadhaar, and latest mutual fund statement in PDF or fetch it directly via CAMS/KFintech.

Step 3

Get Instant Valuation & LTV: Our system calculates real-time NAV, values your portfolio, and shows your eligible loan amount using a fixed Loan-to-Value ratio.

Step 4

Approve Digital Pledge: Authorize the pledge through NSDL/CDSL via OTP. Your units stay invested and continue earning returns.

Step 5

Receive Same-Day Disbursal: Once pledge is confirmed, we credit the loan amount to your bank—usually within hours.

Step 6

Repay Flexibly, Anytime: Use your My Mudra dashboard to track, withdraw more, or prepay. Interest is charged only on the amount used.

Loan Against Mutual Funds EMI Calculator

Now let us talk about another important aspect— calculating the EMI on your loan against mutual funds.

When you take a loan against mutual funds, it is useful to know what your monthly interest will look like. A loan against mutual funds calculator helps you estimate your interest payments based on your loan amount, how long you want to repay it and the loan against mutual funds interest rate.

How to Use the Calculator

Type in your desired loan amount, select how long you want to repay it, add the loan against mutual fund interest rate, and instantly get your monthly interest and total interest.

Here is how to use it:

Type in your desired loan amount

Select how long you want to repay it

Add the loan against mutual fund interest rate

Instantly get your monthly interest and total interest

Popular Banks Offering Loan Against Mutual Funds

Below is a list of the popular banks that offer loans against mutual funds:

Bank/Institution	LAMF Availability
State Bank of India (SBI)	Available
ICICI Bank	Available
HDFC Bank	Available
Axis Bank	Available
Kotak Mahindra Bank	Available
Bank of Baroda	Available
Punjab National Bank (PNB)	Available
IDFC First Bank	Available
IndusInd Bank	Available
Canara Bank	Available
IDBI Bank	Available
Federal Bank	Available
Mirae Asset Financial Services	Available
Bajaj Finserv	Available
Tata Capital	Available
IIFL Finance	Available
JM Financial	Available
50Fin (via Bajaj Finserv)	Available

Why Choose My Mudra for Loan Against Mutual Funds?

Looking to get a loan against mutual funds without the stress of paperwork or delays? At My Mudra, we make the entire process of getting a loan against mutual funds online easy, fast, and transparent.

Quick and Easy Online Process: Apply for a loan on mutual funds in India with just a few clicks. No physical paperwork, no waiting in long queues.
Same-Day Disbursal: Need urgent funds? With My Mudra, your LAMF (Loan Against Mutual Fund) amount is credited to your bank account—often within hours.
Zero Liquidation: Your mutual fund units stay invested. You keep earning returns while using them as security for the loan.
Transparent Loan Against Mutual Funds Interest Rate: Know exactly what you’ll pay. No hidden charges, and you can use our loan against mutual fund calculator to estimate your EMI
Trusted Digital Platform: From secure digital pledging to 24×7 dashboard access, managing your loan on mutual funds is smooth and fully online.
Flexible Repayment Options: Pay only for what you use. Withdraw more or prepay anytime with full control.