Loan Against Mutual Funds
Short on cash but long on investments? Borrow against your mutual funds online at competitive rates — your units stay right where they are.
Apply for Loan Against Mutual Funds
Quick, digital & hassle-free
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
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CustomersActive users
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What is a Loan Against Mutual Funds?
A loan against mutual funds hands you cash without touching your portfolio — you simply pledge your units with the bank and borrow against them. The investments stay put and keep compounding; you just can't sell them until the loan is repaid.
The entire journey is now digital, so there's no sprinting to a branch — apply online and the money follows in no time.
Features & Benefits of Loan Against Mutual Funds
Instant money in your account within minutes
Once the pledge clears, the funds land in your account almost immediately.
Works for both equity and mutual funds
Equity schemes and debt schemes alike can back your loan.
No need to sell or break your investments
Your holdings stay intact — nothing is liquidated to raise the money.
Your mutual funds keep earning returns
Pledged units continue to ride the market and grow while the loan runs.
Credit History Not Required
Even applicants without a credit track record can access this facility.
Interest is applied only on the amount withdrawn
You are charged solely on the portion you actually draw, not the full limit.
Hundred percent digital process through the bank's website
Every step — application to pledge — happens online through the bank's website.
It's available no matter where you are in India
Location is no barrier; the facility works from anywhere in the country.
Less stress and more flexibility when you need funds
Quick access with easy terms takes the pressure out of sudden money needs.
— Eligibility —
Loan Against Mutual Funds Eligibility Criteria
Meeting these simple requirements is all it takes:
Age
Must be 18 years or above
Investor Type
Resident individual or HUF
Ownership
Only approved equity or debt mutual funds
Mutual Fund Type
Applicant must be a salaried or self-employed professional
Fund Status
Units must be active and not already pledged
KYC Compliance
Must be KYC compliant as per SEBI guidelines
Account Type
Should have an active savings or current account
PAN Card
A valid PAN card is mandatory
Lender's Approved List
The fund should be from an AMC approved by the lender
Documents Required for Loan Against Mutual Funds
— Documents —
Keep these basics ready for a fast online approval:
How to Apply for a Loan Against Mutual Funds?
Apply online in just a few simple steps
Step 1
Apply Online: A short form on the Janmudra website captures your basic details, mutual fund scheme name and the amount you want.
Step 2
Upload Documents Securely: Share your PAN, Aadhaar and latest fund statement as a PDF, or pull it straight from CAMS/KFintech.
Step 3
Get Instant Valuation & LTV: The system reads real-time NAV, prices your portfolio and shows what you can borrow at a fixed Loan-to-Value ratio.
Step 4
Approve Digital Pledge: One OTP authorises the pledge through NSDL/CDSL — your units stay invested and keep earning.
Step 5
Receive Same-Day Disbursal: With the pledge confirmed, the loan usually hits your bank account within hours.
Step 6
Repay Flexibly, Anytime: The Janmudra dashboard lets you track, draw more or prepay — interest accrues only on what you use.
Loan Against Mutual Funds EMI Calculator
Loan Details
Results
Compare Loan Against Mutual Funds Offers from Our Top Lenders
Rates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Bank/Institution | LAMF Availability |
|---|---|
| State Bank of India (SBI) | Available |
| ICICI Bank | Available |
| HDFC Bank | Available |
| Axis Bank | Available |
| Kotak Mahindra Bank | Available |
| Bank of Baroda | Available |
| Punjab National Bank (PNB) | Available |
| IDFC First Bank | Available |
| IndusInd Bank | Available |
| Canara Bank | Available |
| IDBI Bank | Available |
| Federal Bank | Available |
| Mirae Asset Financial Services | Available |
| Bajaj Finserv | Available |
| Tata Capital | Available |
| IIFL Finance | Available |
| JM Financial | Available |
| 50Fin (via Bajaj Finserv) | Available |
Success Storiesfrom Our Happy Customers
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless loan against mutual funds solutions.
Monika
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Rishabh Verma
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Priyanka
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Akash
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Pooja
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
Serving Loan Against Mutual Funds Across India
On the ground in every major city, with instant loan against mutual funds support built around your growth.
New Delhi
Maharashtra
West Bengal
Tamil Nadu
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RajasthanBihar
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Madhya PradeshJoin 50,000+ happy customers served across India
Frequently Asked Questions
Everything you need to know about Loan Against Mutual Fundss from Janmudra.