Home
Services
Our Services
Loan Against Mutual Funds.
Access credit. Keep compounding.
Your mutual fund portfolio is not just a wealth asset — it is liquid collateral. When you need funds urgently, a Loan Against Mutual Funds lets you borrow without redeeming a single unit.
Why LAMF?
Don't break the
compounding chain.
When an urgent cash need arises, the instinct is to redeem mutual funds. This is almost always the wrong decision — it breaks your compounding journey, potentially triggers tax, and removes money from the market at a moment you didn't choose.
A Loan Against Mutual Funds is a smarter alternative — you pledge your portfolio as collateral and borrow against it, typically at a lower interest rate than a personal loan, without your units being redeemed.
🔗 No redemption — SIPs continue
Your mutual fund units remain invested. Your SIPs continue. Your compounding is uninterrupted. You simply pledge the units as security for the loan.
💰 50–70% of portfolio value
Typically, you can borrow 50% of equity fund value and up to 70–80% of debt fund value. The exact amount depends on the lender and fund category.
📉 Lower rates than personal loans
LAMF interest rates are significantly lower than personal loans or credit cards — because your portfolio serves as secured collateral for the lender.
⚡ Quick processing
Most LAMF facilities are processed digitally within 24–48 hours. No lengthy documentation, no income proof for most cases — the portfolio itself is the qualification.
When does LAMF make sense?
Medical emergency requiring immediate liquidity
Short-term business cash flow requirement
Opportunity investment that needs temporary capital
Home purchase bridge loan while waiting for sale proceeds
Education fee payment without breaking long-term investments
Important Note
Inverika Capital facilitates access to Loan Against Mutual Fund products through partner banks and NBFCs. We are not a lender. Loan approval, interest rates, and terms are determined by the lending institution.
Your money deserves a clear direction.
Whether it's investing, protection, or planning — we help you structure every rupee with purpose and clarity. No confusion. No guesswork.