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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?
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.
Your mutual fund units remain invested. Your SIPs continue. Your compounding is uninterrupted. You simply pledge the units as security for the loan.
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.
LAMF interest rates are significantly lower than personal loans or credit cards — because your portfolio serves as secured collateral for the lender.
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.
Whether it's investing, protection, or planning — we help you structure every rupee with purpose and clarity. No confusion. No guesswork.