Use your investments as collateral to secure funds without selling your assets.
Leverage your investments to access funds with a Loan Against Shares or Mutual Funds. By using your financial assets as collateral, you can secure up to 80% of their value while retaining ownership of your investments. This flexible loan option is perfect for financing major purchases, managing unexpected expenses, or consolidating high-interest debt—all without selling your valuable assets. Enjoy the benefits of quick approvals, competitive interest rates, and uninterrupted growth of your portfolio while meeting your financial.
Key Features
100% Digital Process
End-to-end online processing, from lien marking to instant disbursement.
Quick Access to Funds
Faster processing compared to traditional loans, with funds credited within hours.
No Need to Sell Investments
Retain ownership and continue earning dividends/returns while accessing liquidity.
Flexible Repayment
Pay interest only on the utilized loan amount with no fixed EMIs.
Lower Interest Rates
Starting at 10.75% p.a., significantly lower than personal loans or credit cards.
Zero Foreclosure Charges
Repay the loan or principal anytime without additional fees.
First-Time Borrower Friendly
Available even without prior credit history.
Mutual Fund-Specific Features
High Loan-to-Value (LTV)
Wide Coverage
Choose from 6000+ mutual fund schemes, managed via CAMS and KFintech.
Quick Processing
Loan processed within 2 working hours post-lien marking.
Loan Tenure
Default tenure of 36 months, with annual renewal for overdraft limits.
Lower Interest Rates
Starting at 10.75% p.a., significantly lower than personal loans or credit cards.
Lien Marking
Investors need to mark a lien on mutual fund units through the fund house.
Share-Specific Features
Approved Shares
Select from a list of eligible shares held in NSDL demat accounts.
Flexible Overdraft Facility
Revolving credit limits against pledged shares.
No Need to Sell Investments
Retain ownership and continue earning dividends/returns while accessing liquidity.
Eligibility Criteria for Loan against shares / Mutual fund
- Individuals
Resident Indian individuals with valid PAN and Aadhaar Card.
Age between 18 to 75 years.
Must have a demat account with NSDL. (for shares).
Should hold approved shares / Mutual funds as per the lender's policy.
Valid email ID, mobile number, and internet banking access.
- Non-Individuals
Partnership firms, private trusts, and private/public limited companies with mutual fund investments are eligible. - Other Points
No restrictions on profession or nature of business.
No minimum income requirement.
Documents Required
For Individuals
- Identity Proof
(e.g., Aadhaar, PAN Card) - Address Proof
(e.g., Aadhaar, Passport, Utility Bill) - Signature Proof
(e.g., PAN Card, Passport) - Latest holding statement of shares / mutual fund
For Non-Individuals (Companies/Firms/Trusts)
- IT Returns
for the last 2 years - Audited Balance Sheet
for the previous 2 years - Profit & Loss Account
for the previous 2 years