Need Funds Without Redeeming Your Mutual Funds?
Explore Loan Against Mutual Funds (LAMF) with SK Investment and unlock instant liquidity while keeping your long-term wealth compounding securely for the future.
Why Consider LAMF?
Looking for immediate liquidity assistance?
Subject to lender eligibility & verification checks.
Why Redeeming Mutual Funds May Not Always Be The Best Choice
Your investments are designed for long-term wealth creation. Selling them during temporary financial needs may affect your future goals.
When You Redeem Mutual Funds
- Future compounding opportunity may reduce
- Long-term financial goals may get affected
- Capital gains tax implications may apply
- Your investment journey may get interrupted
A Smarter Alternative: Loan Against Mutual Funds
Instead of selling your investments, you can explore borrowing against eligible mutual fund holdings. Your investments remain pledged as security while you get access to liquidity based on eligibility.
Check EligibilityWhat is Loan Against Mutual Funds?
Loan Against Mutual Funds (LAMF) is a facility that allows eligible investors to access funds by pledging their mutual fund units as collateral.
Instead of redeeming your mutual fund investments, you can explore liquidity options while continuing your investment journey.
The loan amount, interest rate, approval and terms depend on the lending partner's policies and eligibility criteria.
Keep your mutual funds invested
Check your eligible loan limit online within minutes.
Benefits of Loan Against Mutual Funds
Access Liquidity
Meet financial needs without necessarily selling your mutual fund investments.
Continue Investing
Your investment journey can continue while units are pledged.
Digital Process
Check eligibility through a simple online process.
Secure Approach
Mutual fund units remain as collateral instead of being redeemed.
When Can You Consider Loan Against Mutual Funds?
A liquidity solution for managing short-term financial requirements without immediately redeeming investments.
Medical Emergency
Manage unexpected healthcare expenses while keeping long-term investments in focus.
Business Working Capital
Explore liquidity options for business requirements or working capital needs.
Education Expenses
Support education-related financial requirements without disturbing investment goals.
Home Renovation
Handle renovation or personal financial needs with a structured approach.
Wedding Expenses
Manage planned expenses without necessarily exiting your investments.
Emergency Liquidity
Access funds when required while considering your long-term wealth plan.
LAMF vs Traditional Personal Loans
Why pledging mutual fund units is often a more cost-effective and flexible borrowing choice.
| Feature / Parameter | Traditional Personal Loan | Loan Against Mutual Funds (LAMF) |
|---|---|---|
| Interest Rates | Higher (typically 10.5% - 24% p.a.) | Generally Lower & Cost-Effective |
| Processing & Paperwork | Extensive income proofs & CIBIL checks | Quick digital verification via pledged units |
| Prepayment Penalties | Often applicable on foreclosures | Flexible repayment & zero hassle foreclosure |
| Wealth Growth Impact | No asset linkage | Investments stay invested & grow |
Compare your options and save on interest
Check your pre-approved loan eligibility securely online.
Redeeming Mutual Funds vs Loan Against Mutual Funds
| Redeeming Mutual Funds | Loan Against Mutual Funds |
|---|---|
| Investment units sold | Units can remain invested |
| Future growth opportunity may stop | Investment journey may continue |
| Possible tax impact on redemption | No redemption of pledged units |
| Long-term goals may get affected | Helps manage temporary liquidity needs |
Which Mutual Funds Can Be Considered?
Eligibility depends on lender policies and the type of mutual fund holdings.
Equity Funds
Debt Funds
Hybrid Funds
Other Eligible Funds
Documents Generally Required
- ✓ PAN Card
- ✓ KYC Details
- ✓ Mobile Number Linked With Investment
- ✓ Mutual Fund Holding Details
- ✓ Bank Account Details
- ✓ Other Documents As Required By Lender
How Does Loan Against Mutual Funds Work?
A simple digital journey to explore liquidity against eligible mutual fund investments.
Check Eligibility
Start by checking your eligibility through the digital application process.
Verify Mutual Fund Holdings
Eligible investments are identified based on lender criteria.
Know Eligible Loan Amount
The eligible loan amount depends on your mutual fund portfolio and applicable policies.
Complete Digital Verification
Complete required verification and documentation as guided by the lending partner.
Receive Funds After Approval
Loan disbursement is processed after successful approval as per lender terms.
Estimate Your Loan Eligibility
Your loan eligibility is 60 to 70% of your portfolio value. Actual eligibility depends on lender policies.
Why Choose SK Investment?
We focus on helping investors understand financial solutions clearly and make informed decisions aligned with their investment journey.
Our Approach
- ✓ Investor-focused guidance
- ✓ Transparent information
- ✓ Focus on long-term wealth creation
- ✓ Digital financial solutions support
Frequently Asked Questions
Common questions about Loan Against Mutual Funds.