Loan Against Mutual Funds
AltWealth enables you to access liquidity against your mutual fund portfolio through a secure and professionally structured financing solution. This allows you to meet your capital requirements without redeeming your investments or disrupting your long-term wealth creation strategy.
Mutual funds represent carefully allocated capital designed to compound and grow over time. Liquidating these holdings prematurely can interrupt this trajectory. AltWealth provides an alternative by allowing you to leverage the inherent value of your portfolio while preserving its continuity and future potential.
Our approach ensures a seamless and discreet experience, supported by robust financial infrastructure and transparent processes. Your investments remain intact and continue to participate fully in market performance, while you gain efficient access to liquidity aligned with your financial objectives.
How It Works?
1
Check Eligibility
Verify whether your mutual fund schemes are approved by the lender.
2
Apply Online
Submit your application digitally using PAN and mutual fund details.
3
Lien Marking
A digital lien is marked on your mutual fund units via CAMS or KFintech.
4
Fund Disbursal
Once approved, the loan amount is credited directly to your bank account.
5
Repay & Release
After full repayment, the lien is removed and you regain full control.
Am I Eligible?
100% Eligibility — Even with Low CIBIL Score
No minimum credit score requirement (CIBIL score)
No restriction on employment status or profession
No minimum income requirement or bank statement needed
Check Your Eligibility
to access loan against investments
Minimum Age
The applicant must be at least 18 years old.
Indian Residency
You must be an Indian citizen.
Mutual Fund Ownership
Investment must be in your name.
Eligible Schemes
Only lender-approved mutual fund schemes are accepted.
Note: Eligibility criteria may differ by lender.
Frequently Asked Questions
You can access funds quickly without selling your investments and continue earning potential returns while the loan is active.
Loan amounts depend on your repayment ability, creditworthiness, and fund type.
Typically:
- 50–60% of NAV for equity mutual funds
- 70–80% of NAV for debt mutual funds
Most equity, balanced, debt, and liquid funds are accepted, while less liquid assets like real estate funds may not qualify.
Approval generally takes a few business days if all required documents are submitted promptly.
In many cases, digital copies of mutual fund statements are sufficient, though physical documents may sometimes be required.
Yes, you can usually continue investing, but new investments may not be considered as collateral.
Interest rates are typically lower than unsecured personal loans but higher than secured loans like home loans.
Consider your repayment capacity, market risks, and compare the cost with other funding options.
Lenders usually accept equity, debt, and hybrid funds, depending on the scheme’s liquidity and risk profile.
Yes, your investments remain active and may continue earning dividends or capital appreciation.
If you default, the lender may sell the pledged mutual fund units to recover the outstanding amount.