Unlock the Value of Your Investments: Loan Against Mutual Funds
Need funds urgently? Get a loan against your mutual fund portfolio without selling your investments and disrupting your long-term growth.
Why Choose a Loan Against Mutual Funds?
It's a smart and efficient way to meet your immediate financial needs while your investments continue to work for you.
Instant Liquidity
Access funds quickly and conveniently, often faster than traditional loans, to deal with emergencies or opportunities.
Lower Interest Rates
Since it's a secured loan, interest rates are typically much lower compared to unsecured personal loans.
Stay Invested for Growth
Your mutual fund units are only held as collateral. They remain in your name and continue to benefit from market growth.
Our Simple 4-Step Process
We make accessing funds against your investments a seamless and transparent experience.
1. Eligibility Check
We help you identify the approved mutual fund schemes in your portfolio that are eligible for a loan.
2. Lien Marking
We assist in the digital process of marking a lien on your MF units in favor of the lender. You retain ownership.
3. Loan Disbursal
A loan amount (as an overdraft facility) is sanctioned based on the value of your pledged funds.
4. Flexible Use
Withdraw funds as needed from your overdraft account. You only pay interest on the amount you use.
Frequently Asked Questions About Loan Against MF
Get clarity on the essentials before you proceed.
How much loan can I get against my mutual funds?
The loan amount depends on the Loan-to-Value (LTV) ratio set by the lender. Typically, you can get up to 50% of the value for equity funds and up to 70-80% for debt funds. For example, on a ₹10 lakh equity portfolio, you could get a loan of up to ₹5 lakhs.
Can I sell the mutual funds that are pledged for the loan?
No, you cannot sell or redeem the mutual fund units on which a lien is marked. To sell them, you must first repay the outstanding loan amount in full to have the lien removed.
What happens if the value of my mutual funds falls?
If the market value of your pledged funds drops significantly, the lender may ask you to pledge additional mutual fund units or pay a portion of the loan to maintain the required LTV ratio. This is known as a margin call.
Leverage Your Portfolio for Your Needs
Get Expert Guidance on Your Financial Options
Connect with our advisors to understand the process and benefits of taking a loan against your mutual funds, tailored to your situation.
📧 Email: info@aioinvestment.com
📞 Phone: +91 7875564365
Loan Against Mutual Funds is offered by registered NBFCs and Banks. AIO Capital acts as a facilitator. Terms and conditions of the lender will apply.
Unlock the Value of Your Investments: Loan Against Mutual Funds
Need funds urgently? Get a loan against your mutual fund portfolio without selling your investments and disrupting your long-term growth.
Why Choose a Loan Against Mutual Funds?
It's a smart and efficient way to meet your immediate financial needs while your investments continue to work for you.
Instant Liquidity
Access funds quickly and conveniently, often faster than traditional loans, to deal with emergencies or opportunities.
Lower Interest Rates
Since it's a secured loan, interest rates are typically much lower compared to unsecured personal loans.
Stay Invested for Growth
Your mutual fund units are only held as collateral. They remain in your name and continue to benefit from market growth.
Our Simple 4-Step Process
We make accessing funds against your investments a seamless and transparent experience.
1. Eligibility Check
We help you identify the approved mutual fund schemes in your portfolio that are eligible for a loan.
2. Lien Marking
We assist in the digital process of marking a lien on your MF units in favor of the lender. You retain ownership.
3. Loan Disbursal
A loan amount (as an overdraft facility) is sanctioned based on the value of your pledged funds.
4. Flexible Use
Withdraw funds as needed from your overdraft account. You only pay interest on the amount you use.
Frequently Asked Questions About Loan Against MF
Get clarity on the essentials before you proceed.
How much loan can I get against my mutual funds?
The loan amount depends on the Loan-to-Value (LTV) ratio set by the lender. Typically, you can get up to 50% of the value for equity funds and up to 70-80% for debt funds. For example, on a ₹10 lakh equity portfolio, you could get a loan of up to ₹5 lakhs.
Can I sell the mutual funds that are pledged for the loan?
No, you cannot sell or redeem the mutual fund units on which a lien is marked. To sell them, you must first repay the outstanding loan amount in full to have the lien removed.
What happens if the value of my mutual funds falls?
If the market value of your pledged funds drops significantly, the lender may ask you to pledge additional mutual fund units or pay a portion of the loan to maintain the required LTV ratio. This is known as a margin call.
Leverage Your Portfolio for Your Needs
Get Expert Guidance on Your Financial Options
Connect with our advisors to understand the process and benefits of taking a loan against your mutual funds, tailored to your situation.
📧 Email: info@aioinvestment.com
📞 Phone: +91 7875564365
Loan Against Mutual Funds is offered by registered NBFCs and Banks. AIO Capital acts as a facilitator. Terms and conditions of the lender will apply.