Unlock the potential
of your mutual funds
Take a loan against your
mutual fund with FinEzzy
Unlock the potential
of your mutual funds
Take a loan against your
mutual fund with FinEzzy
What is Loan Against Mutual Funds?
Loan Against Mutual Funds (LAMF) is a financial solution that anyone can avail of holding mutual funds. Here, you pledge your mutual fund units as collateral to get quick funds. The loan amount is usually a percentage of your mutual fund units’ current value. This loan is handy for investors needing funds without selling their mutual fund investments.
Get an instant loan in just 15 minutes without breaking your investments.
Enjoy financial flexibility while your mutual funds continue to grow.
We make borrowing loan against
mutual fund as simple as counting 1,2,3!
Here’s why you choose us:
Utilize 15
minutes magic
Get money credited within 15 minutes
Fulfill small financial requirements
Borrow as low as ₹5,000
No documentation required
Don’t get buried in paperwork; we’re 100% digital
Affordable interest
rates
Starting at 7.46% per annum
Maximised
Loan-To-Value
Borrow up to 95% of your current holding value
Loan with CIBIL & proof of income?
Not needed,
we trust you!
Take a look at our
'ZERO Zone'
No Processing
Fee
ZERO Pre-closure Charges
No Hidden
Charges
ZERO Tax
Impact
Follow our 4 effortless steps to
begin your journey with FinEzzy
01
Download the FinEzzy app and fetch your mutual fund holdings
02
Check credit limit and pledge mutual fund units
03
Complete paperless KYC
04
Voila! Receive money within 15 minutes!
Smart insights and quick calculations lead to better financial decisions. Check yourself
Should I withdraw investments
Amount used now
₹ 450000
Total Loan Repayment
₹ 0
End Portfolio Value
₹ 304777
Take a loan instead?
Amount used now
₹ 450000
Total Loan Repayment
₹ 0
End Portfolio Value
₹ 304777
You can gain ₹ 106356 by taking a loan. So obviously Loan Right?
Basis of calculation:
1. You have an investment goal maturing in 5 years
2. You have been investing monthly for last 3 years and getting 16% annualised returns on your portfolio
3. You want to withdraw certain amount now from this portfolio
4. You have an option to take a loan on reducing interest rate of 13% per annum, while your investment continues
Check out where you can use a
loan against mutual fund
Debt consolidation:
Paying off high-interest debt through a loan against mutual funds to lower overall interest payments.
Business expansion:
Securing funds to expand or launch a business venture without liquidating investments.
Medical emergencies:
Covering medical treatments, surgeries, or wellness programs.
Unexpected family expenses:
Financing sudden repairs or other family expenses
Download the FinEzzy App
Your go-to app for instant loan against mutual funds. Anytime! Anywhere!
You can also
Scan QR code to get the FinEzzy mobile app
Frequently asked questions
Loan against mutual funds offers several features that make it an attractive financing option:
Quick and Easy Approval: The loan approval process is usually quick and straightforward, especially compared to traditional loans.
No Need to Liquidate Investments: Borrowers can access funds without selling their mutual fund units, allowing them to continue benefiting from potential market gains.
Competitive Interest Rates: Interest rates for loans against mutual funds are often lower than those for unsecured loans since the mutual fund units serve as collateral.
With FinEzzy, you get a loan tenure ranging from 6 months to 24 months.
The minimum loan amount available is ₹2,000 while the maximum loan amount is ₹25,00,000.
Indian citizens aged 18 to 75 years can avail of a loan against mutual funds. They need to have a single PAN card and at least one each of equity and debt mutual funds.
Amount you can get on a loan against mutual funds typically depends on the value of your mutual fund holdings. This percentage can vary but is usually around 70% to 95% of the total value of your mutual fund holdings.
To apply for a loan against mutual funds, you typically need to provide your PAN card, Aadhaar card, and bank details, including your account number and IFSC code.
The Annual Percentage Rate with FinEzzy begins at just 7.46% per annum. As of now, there is no processing fee or other charges.
At FinEzzy, the total cost of your loan is calculated as interest amount + processing fees. See the sample loan calculation below:
Principal Amount – ₹ 1,00,000
Tenure – 12 months EMI = Principal Repayment + Interest – ₹ 8955
Processing Fee – Zero
Total Loan Repayment Amount – ₹ 8955 x 12 (Principal and Interest) – ₹ 1,07,460
Total Cost of Loan – Interest Amount + Processing Fees – ₹7460 + ₹0 = ₹ 7,460
Annual Percentage Rate – 7.46%
For an interest-only loan against mutual fund, pay ₹1000 monthly interest for 12 months. Repay the ₹1,00,000 principal at year’s end, totaling ₹1,12,000 with a ₹12,000 loan cost.
No need to worry; checking your credit limit or pre-approved loan amount will not impact your credit score.
Our certifications
We Got Featured In
Should I withdraw investments
Amount used now
₹ 450000
Total Loan Repayment
₹ 0
End Portfolio Value
₹ 304777
Take a loan instead?
Amount used now
₹ 450000
Total Loan Repayment
₹ 0
End Portfolio Value
₹ 304777
You can gain ₹ 106356 by taking a loan. So obviously Loan Right?
Basis of calculation:
1. You have an investment goal maturing in 5 years
2. You have been investing monthly for last 3 years and getting 16% annualised returns on your portfolio
3. You want to withdraw certain amount now from this portfolio
4. You have an option to take a loan on reducing interest rate of 13% per annum, while your investment continues
