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Avail Loan Against Mutual Funds Without Impacting Your CIBIL Score
Unlock Cash From Your Investments
Loan Against Mutual Funds Within Minutes
Low Rate of Interest
Quick Processing
100% Paperless Documentation
Flexible Repayment
What is a Loan against Mutual Fund ?
Loan Against Mutual Funds (LAMF) is a loan that customers can obtain by using their mutual funds as collateral.
Collateral-Based Loan
LAMF is a type of secured loan that uses mutual fund units as collateral. This means that you can borrow money by using your mutual fund units as a guarantee for the loan. It provides a way for individuals to access funds without having to liquidate their mutual fund holdings.
Flexibility in Loan Amount
The loan amount is determined based on the assessed value of the mutual funds you pledge as collateral and the lender's loan-to-value (LTV) ratio. Therefore, the flexibility in loan amount is contingent on these factors and may vary accordingly.
Attractive Interest Rates
LAMF generally provides more attractive interest rates compared to unsecured loans because they require collateral. This lowers risk for the lender and allows them to offer better terms for borrowers.
Minimal Impact on Investment
You can maintain ownership of your mutual funds, which helps to sustain your potential growth and have a minimal impact on your investment.
Why Choose a Loan Against Mutual Funds?
Quick Access to Cash
Competitive Interest Rates
Keep Your Investments Growing
Flexible Repayment Options
Minimal Documentation
Faster Processing
What is Loan Against Mutual Funds?
A Loan Against Mutual Funds is a type of loan which you can get by giving your mutual fund as security. The best part is that you do not have to sell your mutual fund, and therefore your investment remains intact. InvestKraft can help you get the required loan on mutual fund at a lower interest rate.
Benefits of Taking a Loan Against Mutual Funds
The following are some of the great benefits of taking a loan against mutual funds:
Quick Access to Cash
Get the required funds without selling your mutual funds, thus keeping your investments intact..
Keep Your Investments Growing
Your mutual funds continue to give returns even when you take loans against them. Therefore, your wealth building will continue.
Minimum Documentation
With zero paper documentation, you can save a lot of time and hassle.
Competitive Interest Rates
The Loan Against Mutual Funds Interest Rate is very low compared to a personal loan. Get your funds easily without any hassle.
Flexible Repayment Options
Choose a repayment option that suits your repayment capacity and financial conditions. At InvestKraft, we believe that repayments should never be a burden on you.
Faster Processing
Get your loan on mutual fund approved and disbursed quickly and thus saving your precious time.
How to Apply for a Loan Against Mutual Funds?
In 4 simple steps, you can have your required loan amount in your bank account:
Step 01
Apply OnlineSubmit a quick application with details of your mutual funds.
Step 02
Digital KYCThe KYC process is completely digital and there is not much paperwork.
Step 03
AssessmentThe total mutual fund portfolio will be assessed by experts to determine your credit limit.
Step 04
Get ApprovedReceive a loan offer based on your eligibility and fund value.
Eligibility for Loan Against Mutual Funds (LAMF):
- Age: Between 18 and 65 years old (may vary depending on a lender).
- Minimum Investment: A minimum value of ₹ 50,000 in your mutual fund portfolio (may vary)
- Mutual Fund Scheme: Holding funds approved by specified registrars like CAMS & KFintech (RTAs). Debt and ELSS funds are often excluded.
- Residency: Indian residency is mandatory
Documents Required for a Loan Against Mutual Fund
The following are the documents required to get a loan against mutual funds:
| Document Type | Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card or any valid government-issued ID and address proof |
| Mutual Fund Statement | Latest holding statement with folio details (in the applicant’s name) |
| Bank Account Proof | Cancelled cheque, latest 3-month bank statement |
| Income Documents | Salary slips (salaried) or ITR/financials (self-employed) (if required) |
| Loan Application Form | Duly filled and signed form |
Note: The paperwork has been reduced considerably as digital pledge via CAMS/NSDL is accepted by many lenders.
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Recent Testimonials
Priya Sharma, Delhi
"Never thought I could access funds without selling my investments! InvestKraft's loan against mutual funds came in clutch during my daughter's wedding. Now, my investments are safe, and I have the cash I need."
Rajiv Kapoor, Mumbai
"InvestKraft's loan process was so smooth. They explained everything clearly, and I got the loan against my mutual funds quickly. Now, I can handle that unexpected medical expense without any hassle."
Rani Singh, Bangalore
"As a working woman, emergencies can be stressful. Thankfully, InvestKraft's loan against mutual funds helped me during my car repair. They understood my situation and offered a flexible repayment plan. Highly recommended!"
Amit Patel, Ahmedabad
"I was hesitant about loans against mutual funds, but InvestKraft made it easy. Their interest rates are reasonable, and it feels good knowing my investments are still growing while I access the funds I need."
Sunita Devi, Chennai
"InvestKraft is a lifesaver! Their loan against my mutual funds helped me renovate my house without disturbing my long-term investment goals. They even offered guidance on managing my finances better."
Vikram Bajaj, Kolkata
"I'm a big believer in mutual funds, but sometimes, short-term needs arise. InvestKraft's loan against mutual funds was the perfect solution. It's a win-win - I access cash and keep my investments on track."
Manisha Rao, Pune
"As a young professional, building an emergency fund takes time. InvestKraft's loan against mutual funds gave me peace of mind. Now, I can handle unexpected situations without dipping into my savings."
Suresh Mehta, Hyderabad
"InvestKraft's loan against mutual funds helped me during my son's education abroad. It's a great option for parents like me who are invested in the future but need access to funds for important milestones."
Anjali Gupta, Jaipur
"I was worried about taking a loan against my mutual funds, but InvestKraft's advisors were fantastic. They cleared all my doubts and helped me choose the
Rahul Malik, Chandigarh
"InvestKraft's loan against mutual funds is a game-changer! It allowed me to invest in a new business opportunity without selling my existing mutual funds. Now, I'm diversifying my portfolio and chasing my dreams."
Priyanka Chopra, Lucknow
"Being a homemaker, managing finances can be tricky. InvestKraft's loan against mutual funds helped me during a family crisis. It's a relief to know I have options to access funds without impacting my family's future."
Devendra Kumar, Indore
"I'm a long-term investor, and selling my mutual funds wasn't an option. InvestKraft's loan was a lifesaver! Now, I can meet my short-term needs without disrupting my long-term financial goals."
Seema Khan, Bhopal
"InvestKraft's loan process was so much faster and easier than traditional loans. They made accessing funds against my mutual funds a breeze. I'm a happy customer!"
Sandeep Joshi, Guwahati
"I was initially sceptical, but InvestKraft's loan against mutual funds turned out to be a smart financial decision. It helped me during a home renovation without affecting my retirement plans."
Pooja Desai, Vadodara
"InvestKraft's advisors are true financial experts. They helped me understand loans against mutual funds and choose the best option for my needs. I feel confident about my finances now."
Harpreet Singh, Amritsar
"InvestKraft is a one-stop shop for all my financial needs. Their loan against mutual funds was a great solution for my travel plans. Now, I can see the world without compromising my future."
Manju Verma, Patna
"As a senior citizen, financial security is paramount. InvestKraft's loan against my mutual funds gave me peace of mind during a medical emergency. It's comforting to know I have options."
Akash Malhotra, Shimla
"InvestKraft's loan against mutual funds helped me during a business slowdown. It allowed me to keep my business afloat while my investments continued to grow. I'm truly grateful for their support."
Neha Joshi, Ranchi
"InvestKraft's transparent loan process is commendable. They explained everything upfront, and there were no hidden charges. Their loan against mutual funds was a perfect solution for my needs."
Sunil Mehta, Bhubaneswar
"InvestKraft's loan against mutual funds is a game-changer! It offers financial flexibility while keeping my investments on track. I'm a happy and loyal customer!"
Frequently Asked Questions (FAQs)
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