Available Credit Line
Active
₹12,10,000
Against 4 mutual fund schemes
Interest rates starting 9%* p.a.
Loan Against
Mutual Funds
Pledge your mutual fund units and access a flexible credit line without selling your investments. Keep your portfolio compounding while you unlock capital for what matters today.
100% Digital
No Hidden Charges
RBI-Compliant
Zero Foreclosure
Save up to 65% on interest costs
Pledged Holdings
HDFC Mid-Cap₹4,25,000
+12.4%SBI Blue Chip₹3,80,000
+8.7%Axis Small Cap₹2,15,000
+18.2%ICICI Prudential₹1,90,000
+6.1%Rate Comparison
Credit Card
Revolving credit
24% – 36%
Personal Loan
Fixed repayment
12% – 16%
LAS
On utilized only
0%* p.a.
Key Benefits
Everything that makes LAS work for you
All the tools you need to access capital fast, easy and conveniently — while keeping your investments growing.
Keep Your Mutual
Funds Growing
Your investments continue to earn with no need to redeem your mutual funds along the way.
Interest Only on
What You Use
Interest is calculated only on the amount you borrow, not on the full sanctioned limit.
Quick, Hassle-Free
Access
Experience seamless, digital fund availability — loans are processed and credited within minutes.
Repay Your Way,
No Fixed EMIs
Enjoy flexible repayments: pay back any amount, any time. No fixed EMI pressure, ever.
Process
Four steps, fully digital
The flow is straightforward — from portfolio check to funds in your account.
01
Step One
Check eligibility
Link your portfolio via PAN or CAS and see your indicative limit instantly.
02
Step Two
Pledge units digitally
Select eligible schemes and mark the pledge through a secure OTP process.
03
Step Three
Complete e-KYC
Finish Aadhaar-based e-KYC for identity verification and compliance.
04
Step Four
Withdraw funds
Once approved, funds land in your bank account. Repayments stay flexible.
Comparison
LAS vs other borrowing options
| Feature | Personal Loan | Credit Card | LAS |
|---|---|---|---|
| Interest Rate | 12% – 16% | 24% – 36% | Starting ~9%* p.a. |
| Asset Liquidation | Not required | Not required | Investments stay invested |
| Interest Calculation | On full loan | On full balance | Only on amount utilized |
| Repayment | Fixed EMI | Minimum due model | Fully flexible |
| Foreclosure Charges | Usually applies | N/A | Zero |
| Processing Time | 3 – 7 days | Immediate usage | Within hours |
Eligibility
Who can apply?
Most investors with eligible mutual fund holdings qualify. Since the facility is secured by your portfolio, approval depends more on pledged units than income proofs.
- Eligible schemes supported by CAMS, KFintech, or similar registrars
- Valid PAN and KYC-compliant mutual fund investments
- Aadhaar-based e-KYC for seamless digital onboarding
- Active bank account for disbursal and interest servicing
Quick eligibility check
See your indicative credit limit in under 15 seconds.
Equity MF LTVMaximum eligible limit
Up to 50%
Debt MF LTVHigher limit on debt schemes
Up to 80%
Interest RateIndicative starting rate
From 9%* p.a.
FAQs
Got questions? We have answers.
A Loan Against Mutual Funds allows you to borrow money by pledging your existing mutual fund investments as collateral. You continue to remain the owner of your investments while meeting your short-term or long-term funding needs.
Selling mutual funds may disrupt your long-term financial goals and attract capital gains tax. A loan against mutual funds lets you access liquidity without redeeming your investments, so your money continues to stay invested and potentially grow.
You can typically get up to 80% of the value of your mutual fund holdings, depending on the fund type (equity or debt) and market conditions.
No. Your mutual funds are only pledged, not sold. They remain in your name, and once the loan is repaid, the pledge is removed automatically.
Interest rates are generally lower than personal loans and depend on factors such as the type of mutual fund, loan amount, and tenure. You pay interest only on the amount you use.
The process is largely digital and quick. Once your mutual funds are pledged and documentation is completed, the loan amount can be disbursed within 24 hours, sometimes even faster.
If the market value drops significantly, you may be asked to provide additional collateral or partially repay the loan to maintain the required margin. This helps keep your loan active and secure.
Yes, you can repay the loan anytime. Many lenders offer flexible repayment options with little or no prepayment charges, making it easy to close the loan when your cash flow improves.
Get Started
Unlock liquidity.
Keep your investments intact.
Explore portfolio-backed lending with inXits and access flexible capital — without touching your long-term investment strategy.
