Your investments stay invested. You still get the cash.
Pledge your funds, get the loan, and your investments keep growing.
Once you repay, your units are fully yours again.
Interest rate of
10.5% P. A.
Tenure of up to
72 months
No prepayment charges - repay anytime, in full or in part
Sign up
Enter your basic details, PAN, date of birth, and verify via OTP
Connect your portfolio
Your mutual fund holdings are fetched automatically via MF Central
See your eligible amount
See how much you can borrow against your funds, instantly
Complete KYC digitally
Aadhaar verification and a selfie,
fully online
Pledge your mutual funds
Choose which units to pledge and confirm your loan amount
Sign, set up and receive
E-sign your loan agreement, set up your repayment mandate
Frequently Asked Questions
A Loan Against Mutual Funds (LAMF) lets you borrow money by pledging your mutual fund units as security — a type of loan against securities — without redeeming your investments. Your mutual funds stay invested and continue to stay in your portfolio, and once you repay the loan, the lien on your mutual fund units is removed.
No. With a loan against mutual funds, your units are not sold or redeemed. They remain invested in your portfolio while pledged as security for the loan, so you stay invested and keep your long-term growth potential intact.
You are eligible for a loan against mutual funds if you:
The loan amount against mutual funds starts from ₹1 lakh and can go up to ₹5 crore, depending on the value of your eligible mutual fund portfolio and the lender’s approval.
Loan against mutual funds interest rates generally start from around 9% per annum and vary based on the lender and your portfolio. The repayment tenure can go up to 72 months, giving you flexible repayment options.
Most approved equity and debt mutual funds are eligible for a loan against mutual funds. Some schemes, such as ELSS under the lock-in period and certain other funds, may not qualify. Eligibility depends on the lender’s approved list of mutual fund schemes.
Applying for a loan against mutual funds online is simple — just submit your details through the Lxme app. Our MoneyBuddy team will connect with you, guide you through the documentation and verification process, and help you complete your loan application digitally.
