Apply for a Loan Against Mutual Funds and access funds while your investments keep growing.

Have Mutual Funds? Get Funds Without Selling Them.

  • No need to redeem your investments
  • Quick processing & transparent service
  • Trusted financial service provider
🛑Note: This is NOT a personal loan. You must have existing mutual fund investments to apply.
Get Started with LAMF →
Get Started with LAMF 👇
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Mutual Fund Holding Value
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⚠️ You must have mutual funds in your name to proceed.

HOW IT WORKS

Your mutual fund units stay safe and continue to earn

Step 1

Connect you within 24 hours and ask requirements

Step 2

We check your eligibility

Step 3

Get funds in your account — without selling your investments

Eligibility Criteria

To be eligible, you must be:

  • 18+ years of age
  • Holding mutual funds
  • Resident Indian individual
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Loan approval and amount are subject to eligibility and mutual fund portfolio value.

Frequently asked questions

What is a Loan Against Mutual Fund?

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of a credit line. You can utilize the required amount and repay anytime without any prepayment charges. Interest is charged only on the utilized amount and for the duration the funds are utilized. You can select from a list of 4500+ approved mutual funds from different asset management companies (AMCs) in India. You can lien mark mutual funds registered with both CAMS & KFintech, Registrars & Transfer Agents (RTAs). We recommend digital loan against mutual funds to meet any of your financial requirements like travel, gadget purchase, balance transfer for your high interest loans, medical emergency.

No, you will not lose your mutual fund investments.

When you take a Loan Against Mutual Fund (LAMF), your mutual fund units are simply pledged as collateral — they are not sold or redeemed. This means:

  • Your investments stay intact

  • They may continue to earn returns as usual

  • Once you repay the loan, the pledge is removed and you regain full control

It’s a smart way to access funds without breaking your long-term investment plans.

🛡️ Your money keeps growing while you meet your short-term financial needs.

You can choose to set up a credit line amount ranging from Rs. 25,000 to Rs. 1 crore for loan against mutual funds.
Yes! You read it right, you can avail a credit line up to Rs.1 crore digitally in 5 minutes.

Loan processing is typically quick and hassle-free. Totally Digital Process.

We will connect with you within 24 hours and discuss your requirements.

We aim to process eligible applications within 15 to 20 minutes after receiving all required documents.

You’ll be notified at each step — from verification to fund disbursement — so you’re always in the loop.

📍Speed may vary slightly based on your mutual fund provider and verification timelines.

Yes, a Loan Against Mutual Fund (LAMF) is a secured loan.

Your mutual fund units are pledged as collateral for the loan — which means:

  • You don’t need to sell your investments

  • The loan is backed by your existing portfolio

  • Once the loan is repaid, the pledge is removed

📌 It’s a low-risk, asset-backed way to access funds without disturbing your long-term goals.