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Key Features of Our Loan Against Mutual Funds

  • Loan Amount: Up to 50-75% of the market value of the mutual funds you pledge.
  • Flexible Tenure: Repayment terms can range from 6 months to 5 years, allowing you to choose the best option for your financial situation.
  • Competitive Interest Rates: Starting from 10.5% p.a., making the loan affordable with easy repayment options.
  • Quick Processing: Minimal documentation and fast approval to help you get access to funds without delay.
  • No Prepayment Penalties: Pay off the loan early without any extra charges or fees.
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Types of Loan Against Mutual Funds We Offer

  • Short-Term Loan Against Mutual Funds: Ideal for those needing urgent funds for personal or business use.
  • Long-Term Loan Against Mutual Funds: For borrowers looking for a longer repayment tenure to manage larger financial needs.
  • Flexible Loan-to-Value Ratio: Borrowers can avail a loan amount based on the market value of their mutual fund holdings, ensuring access to funds without liquidating investments.
  • Continued Investment Growth: Even while pledged, mutual funds remain invested, allowing borrowers to benefit from potential market appreciation and dividend earnings.
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Eligibility Criteria for Loan Against Mutual Funds

To qualify for a Loan Against Mutual Funds, whether you are salaried, self-employed, or a business owner, you must meet the following criteria:

  • Age: 21 to 65 years.
  • Mutual Fund Ownership: You must hold mutual fund units in your name (on an individual or joint basis).
  • Income Proof: A stable income (minimum ₹15,000 for salaried individuals and ₹25,000 for self-employed individuals).
  • Credit Score: A good credit score (600+), though a higher score may result in more favorable loan terms.
  • Loan Amount: Based on the value of the mutual funds you pledge and your overall financial profile.

Documents Required for Loan Against Mutual Funds

The documents required for a Loan Against Mutual Funds are simple and easy to provide:

  • KYC Documents: PAN Card, Aadhar Card, Passport, or Voter ID.
  • For Salaried Individuals: Latest 3-6 months salary slips or bank statements.
  • For Self-Employed Individuals: Last 2 years Income Tax Returns (ITR) or business financial statements.
  • Bank Statements: Last 3-6 months to verify financial stability.
  • Mutual Fund Statement: Latest statement from your mutual fund provider showing the number of units and their current value.
  • Residence Proof: Utility bills, rental agreement, or government-issued documents.

Why Choose Login to Loans for Your Loan Against Mutual Funds?

  • Quick and Easy Processing: Fast approval with minimal documentation to help you access funds promptly.
  • Affordable Interest Rates: Interest rates starting from 10.5% p.a., ensuring low repayment amounts.
  • Flexible Loan Tenure: Repayment options ranging from 6 months to 5 years, based on your financial requirements.

How to Apply for a Loan Against Mutual Funds?

  • Step 1: Check your eligibility online or visit our nearest branch.
  • Step 2: Submit your KYC documents, income proof, and the mutual fund statement.
  • Step 3: Get approval for your loan and finalize the terms.
  • Step 4: Receive the funds directly into your account, or as per the loan agreement, typically within 24-48 hours.
Conclusion on Loan Against Mutual Funds (LAMF)

Loan Against Mutual Funds (LAMF) is a smart and flexible financing option that allows investors to access funds without liquidating their mutual fund holdings. This loan provides liquidity for various purposes, such as business needs, medical emergencies, education, or other personal expenses, while enabling the borrower to continue benefiting from market growth.