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Loan Against Mutual Funds (LAMF)

LAMF — Unlock Liquidity Without Selling Your Investments

A Loan Against Mutual Funds (LAMF) allows you to meet urgent capital requirements or leverage financial emergencies without disrupting your long-term compounding. By pledging your equity or debt fund units as collateral, you secure an instant overdraft or term loan. This ensures your investment continues to grow and earn dividends, while you pay interest only on the exact amount utilized.

Retain Asset Ownership

Low Interest Rates

Instant Capital Access

Work Process

Step-By-Step Guide How We Work

01
Step

Portfolio Eligibility Check

We review your mutual fund portfolio — identifying eligible equity and debt funds that lenders accept as collateral.
02
Step

Lender Comparison

We compare LAMF offerings from HDFC Bank, ICICI Bank, Bajaj Finserv, Mirae Asset Financial Services, and others on interest rate, LTV, and ease of processing.
03
Step

Pledge & Documentation

We coordinate the online pledging of units through CAMS/KFintech and complete lender documentation — entirely digitally.
04
Step

Credit Limit Activation

Once pledged, your overdraft credit limit is activated. Draw funds anytime, repay at your convenience, and unpledge when the loan is closed.

Want to know more about LAMF?

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    LETTER
    FAQ

    Frequently Asked Questions

    Most equity funds (large cap, flexi cap, index funds) and debt funds are eligible. ELSS funds with lock-in periods and sectoral/thematic funds may not qualify at all lenders. We identify eligible folios in your portfolio upfront.

     

    Loan-to-Value (LTV) is typically 50–65% for equity funds and 70–80% for debt funds. This means for ₹10 lakh in equity mutual funds, you can get up to ₹6–6.5 lakh as credit.

     

    Yes. Pledging does not transfer ownership — your mutual fund units remain in your folio and continue to earn NAV appreciation and dividends. Only a lien is marked on the units.