Get Loan against Mutual Funds & Shares
A loan against mutual funds or shares lets you unlock cash from your securities without selling them. Your securities keep earning returns while you get the cash you need.
Loan Against Mutual Funds
Unlock liquidity by leveraging your mutual fund units without redemptions. Access cash whileyour investments continue to grow.
- Access fund up to 80% of mutual fund portfolio.
- Minimal risk of margin calls due to NAV satbility
- Faster processing with lighter documentation.
Loan Against Shares
Tap into the value of your shares without selling them. Raise funds instantly while retaining ownership and future gains.
- Access finds up to 50% of shares value instantly.
- Retain ownership and potential market gains.
- Ideal for urgent, short-term liquidity without asset sale.
Buedened by heavy EMIs
Interest- Only Payments
Worried about low CIBIL?
Open to All
Forced to sell your securities?
Keep Securities Growing
Why choose Loan against mutual funds From Bhriti?
Super-Quick Turnaround
Credit limit check within minutes; get your loan approved & disbursed in hours, not days or weeks
Open to Everyone
Dual-ownership holdings, freed-up units of ELSS funds & above the age of 70 with a co-borrower
Smoothest Experience
Personalized loan journey with live customer support right from credit limit check to disbursal
Loan Against Mutual funds FAQs
What is Loan Against Mutual Funds?
As the name loan against mutual funds suggests you will be able to avail loan by pledging your Mutual Fund units. This is somewhat similar to other loan against assets product except that the entire process is digital and you continue to own the MF units with minimal restrictions placed.
How long does it take to process a MF loan?
The process takes less than 30 minutes. In some cases if the loan amount is beyond a threshold it could take one or two business days as they would require additional approval as per the regulation.
Will I lose ownership of my mutual fund units when I pledge them?
No, you will continue to own your mutual fund units. They will continue to accrue gains as per the market. However you will not be able to sell those units which you have pledged.
What restrictions are placed when I pledge my mutual funds units?
The only restriction is that you will not be able to sell the pledged units. Other than that you continue to own the MF units and enjoy the gains as per the market changes.