Get a Loan Against Your Mutual Funds — Instantly up to ₹5,00,000
Unlock liquidity from your investments without selling them. Quick approval & same-day disbursal.
Apply for a Loan Against Mutual Funds Online
Your mutual fund portfolio is more than just an investment — it is a financial asset you can borrow against. With a Loan Against Mutual Funds (LAMF),
you can get quick liquidity while your investments continue to grow. No need to redeem your funds and miss out on market gains.
Stashfin makes the process entirely digital. Pledge your mutual fund units, get instant approval, and receive funds directly in your bank account — all
without any physical paperwork or branch visit required.
What is a Loan Against Mutual Funds?
A Loan Against Mutual Funds (LAMF) is a secured loan where your mutual fund units serve as collateral. Instead of redeeming your investments
during a financial need, you simply pledge them to get a credit line. Your funds stay invested and keep earning returns while you repay the loan at low
interest rates.
This type of loan is ideal for salaried professionals, self-employed individuals, and investors who have built a mutual fund portfolio and need short-
term liquidity for emergencies, business needs, or planned expenses.
Types of Mutual Funds You Can Pledge
Equity Mutual Funds
Pledge your large-cap, mid-cap, or multi-cap equity fund units for a loan
Debt Mutual Funds
Use your debt fund portfolio to get a secured credit line at low interest
Hybrid Funds
Balanced and hybrid funds are accepted as collateral for LAMF
Index Funds
Pledge your Nifty 50, Sensex, or other index fund units for quick liquidity
LAMF vs Personal Loan — Which is Better?
| Feature | Loan Against Mutual Funds | Personal Loan |
|---|---|---|
| Interest Rate | 10–13% p.a. | 12–36% p.a. |
| Collateral | Mutual Fund Units | None (Unsecured) |
| Loan Amount | Up to 80% of portfolio value | Up to ₹5 Lakhs |
| Repayment | Flexible — Pay as you use | Fixed EMI every month |
| Investment Returns | Funds continue to grow | Not applicable |
| Foreclosure Charges | Nil | May apply |
| Processing Time | Within minutes | Minutes to hours |
Eligibility Criteria for LAMF
To avail a Loan Against Mutual Funds with Stashfin, you need to meet the following basic criteria:
Age Criteria
18 to 65 years — both younger investors and senior portfolio holders are eligible
Portfolio Value
Minimum mutual fund portfolio value of ₹25,000 required to be eligible for pledging
KYC Status
Your mutual fund KYC must be complete. Both salaried and self-employed investors are eligible
Fund Type
Equity, debt, hybrid, and index funds from approved AMCs are accepted as collateral
Getting a Loan Against Mutual Funds with Stashfin is quick and 100% digital.
How to Apply for LAMF Online
Sign Up
Download the Stashfin app and complete a quick registration with your details
Link Portfolio
Connect your mutual fund portfolio via CAMS or KFintech with a simple OTP
Pledge Funds
Select funds to pledge and authorize the lien digitally via your registered email
Receive Funds
Get funds directly in your bank account within hours of approval
Follow these easy steps to apply for a Loan Against Mutual Funds with Stashfin
Why Choose LAMF Over Redeeming Your Funds?
Redeeming mutual funds during a financial need can hurt your long-term wealth. Here is why a Loan Against Mutual Funds is a smarter choice:
- Your investments stay active and continue to benefit from market growth
- No exit load or capital gains tax triggered by premature redemption
- Lower interest rates compared to personal loans or credit cards
- Pay interest only on the amount you actually withdraw, not the full sanctioned limit
- Fast access to funds without disrupting your long-term investment goals
- Ideal for medical emergencies, business needs, education, or planned purchases
Calculate your EMI
Flexible loan amount & tenure Instant EMI estimate, no guesswork Apply directly from the calculator Take a step further. Calculate your available credit line.
This is an estimate. Actual EMI may vary based on lender terms. Hear From Our LAMF Customers
Here's what our clients have to say about our Loan Against Mutual Funds
I needed emergency funds but didn't want to sell my SIPs. Stashfin's LAMF was the perfect solution — got money in my account within a few hours without redeeming a single unit.
The interest rate is much lower than a personal loan and my funds are still growing. The process was completely digital and took less than 20 minutes. Highly recommended!
Used LAMF for my business working capital needs. The revolving credit line means I only pay interest on what I use. This is smarter borrowing and Stashfin made it so simple.
Frequently Asked Questions
Find answers to common questions about our Loan Against Mutual Funds services and application process.
A Loan Against Mutual Funds (LAMF) is a secured loan where you pledge your mutual fund units as collateral and get a credit line. Your funds continue to stay invested and earn returns during the loan period.
