Your mutual funds remain invested, so you keep earning returns while accessing cash.
Step 2/3
Pledge your funds
Select the funds you wish to pledge. Lien marking is carried out digitally via a SEBI-compliant process, with no requirement for physical paperwork.
Step 3/3
Get instant disbursal
The loan is approved within minutes and credited directly to your bank account, available 24x7. Your investments stay intact while you access liquidity.
why pledge instead of selling?
Unlock cash, Preserve wealth
Compounding Works
Your funds stay invested, keep earning - even while pledged. No loss on market upside.
Avoid Bad Timing Losses
Selling in a dip locks losses. Pledging lets you ride the recovery and access cash.
Maintain Tax Efficiency
No capital gains tax triggered because you’re not selling units. Keep your tax planning intact.
Access More, Pay Less
Get up to 80% of your MF value with lower rates than personal loans or credit cards.
Flexibility with Control
Pay interest only on what you use. Repay principal when you want without any penalties.
Let your portfolio keep growing while you get the funds you need
It’s a secured loan where you use your mutual fund units as collateral. You don’t sell them as they remain invested, and you keep earning returns while getting instant liquidity.
How much can I borrow?
Loan amounts are usually 50%–80% of your mutual fund value, depending on whether it’s equity or debt faunds. Our eligibility checker will give you an instant figure.
Which mutual funds are eligible?
Most equity and debt mutual funds from major AMCs are accepted. We cover 6,000+ schemes through CAMS and KFintech.
Is my money safe when I pledge?
Yes. Your units stay in your name. They are just lien-marked digitally with the registrar. Once you repay, the lien is removed, and your funds are free again.
It’s a secured loan where you use your mutual fund units as collateral. You don’t sell them as they remain invested, and you keep earning returns while getting instant liquidity.
How much can I borrow?
Loan amounts are usually 50%–80% of your mutual fund value, depending on whether it’s equity or debt faunds. Our eligibility checker will give you an instant figure.
Which mutual funds are eligible?
Most equity and debt mutual funds from major AMCs are accepted. We cover 6,000+ schemes through CAMS and KFintech.
Is my money safe when I pledge?
Yes. Your units stay in your name. They are just lien-marked digitally with the registrar. Once you repay, the lien is removed, and your funds are free again.
How fast will I get the loan?
Approval is instant in most cases, and funds are usually disbursed within a few working hours often on the same day.
What’s the interest rate?
Our partner lenders offer competitive rates, much lower than personal loans or credit cards. The rate depends on your pledged funds and lender.
How do I repay the loan?
Pay interest monthly on the amount you’ve used. You can repay the principal anytime as there are no prepayment charges.
Will this affect my credit score?
Checking eligibility will not impact your score. If you take a loan, repayment behaviour will be reported to bureaus as with any credit product.
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