Loans Against Investments
Borrow against your fund units without redeeming them — no capital gains, no exit from the market.
The cheapest borrowing available to most people — your own deposit as security, at a small spread.
Borrowing against a policy's surrender value — keeping the cover in force instead of cancelling it.
Plan Today. Own Tomorrow.
More than Loans A Partner for Life
| Plan |
Loan Against Mutual Funds
|
Loan Against Fixed Deposits (FD)
|
Loan Against Insurance Policies
|
Loan Against Securities
|
|---|---|---|---|---|
| Best for | Borrow without selling | Use your FD smartly | Get liquidity from your policy | Unlock the value of your shares |
| Interest from* | 9.5% | 7.5% | 9% | 9.75% |
| Rating | 4.4 | 4.6 | 4.2 | 4.2 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
Compare PlansReview your existing loans and make sure you're not paying more than you need to.
Get your current loan reviewed
Share it with an advisor — no cost, no obligation
No. A lien is marked on the units and they stay invested in your name, continuing to earn returns. That is the central advantage: you get liquidity without triggering capital gains tax or exiting the market at whatever level it happens to be.
Typically fifty to sixty per cent of the value of equity funds and seventy to eighty per cent of debt funds. The difference reflects volatility — equity collateral can fall in value, so the lender takes a larger haircut.
If markets fall enough that your pledged units no longer cover the loan at the required ratio, the lender can ask you to pledge more units or repay part of the balance. It is the main risk of borrowing against equity, and it arrives precisely when markets are already down.
Not during the three-year statutory lock-in. Once the lock-in has expired they become eligible like any other equity fund. Check which of your holdings are actually pledgeable before planning around a total.
Almost always, for an investor. The rate is roughly half, there is no capital gains event, and your investment keeps compounding throughout. If you hold mutual funds and are considering a personal loan, start here.
Tell us about your needs. Our experts will help you find the right loan.
Speak to an advisor
Tell us where you are today. We’ll help you understand what matters, what may be missing, and what you can do next.
No pressure. No obligation. Just a thoughtful conversation.
