Instant digital liquidity against your mutual fund portfolio without redeeming units or disturbing long-term wealth compounding.
Preserve Compounding
Avoids premature distress redemption of long-term investments during market corrections.
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Liquidity Solutions
Unlock Instant Liquidity Without Breaking Your Compounding Cycle
Selling mutual fund units during an urgent cash crunch interrupts compounding, triggers capital gains tax, and locks in potential market losses. Loan Against Mutual Funds (LAMF) provides a smarter, instant financial bridge.
Wealthline Investments facilitates digital LAMF through partnered NBFCs and banks, allowing you to pledge equity and debt mutual funds and access overdraft funds within hours.
Your mutual fund units remain invested in the market, continuing to earn returns and dividends while you only pay interest on the actual amount drawn.
Pay Interest Only on the Funds You Actually Use
Functioning as a revolving credit line, you only incur interest on the exact drawn amount for the days utilized, with zero prepayment fees or EMI burdens.
Features of Our LAMF Facilitation
Swift, paperless access to credit while keeping your investments growing.
100% paperless digital lien-marking and sanction within 2 to 4 hours
Interest charged only on the utilized amount and exact number of days used
Zero foreclosure charges and flexible repayment options with no EMI pressure
Your investments stay active in the market, continuing their compounding journey
Key Capabilities
Overdraft Limit
Revolving credit line linked to your bank account; draw funds as needed and repay anytime.
Equity & Debt Coverage
Up to 50% loan-to-value (LTV) on equity funds and up to 80% on debt/liquid funds.
Multi-AMC Support
Pledge units across all major AMCs registered with CAMS and KFintech registrar portals.
Flexible Repayments
Pay only the monthly interest component; principal can be repaid at your convenience.
Your Benefits with Wealthline
Tax Efficiency
Saves on Short-Term (STCG) and Long-Term Capital Gains (LTCG) taxes triggered by redemption.
Lower Interest Cost
Much lower interest rates (typically 9.5% - 11% p.a.) compared to unsecured personal loans (14% - 24%).
Instant Digital Unpledge
Instant digital un-pledge process once the outstanding overdraft balance is cleared.
OUR APPROACH
How We Work With You
STEP 01
Portfolio Valuation
Calculating available credit limit based on eligible mutual fund schemes.
STEP 02
Digital Lien Marking
Online OTP authorization via CAMS/KFintech without paperwork.
STEP 03
Instant Limit Sanction
Overdraft account setup and limit activation within hours.
STEP 04
Draw & Repay Freely
Transfer money to your bank when needed and repay anytime at zero penalty.
Who Is This Right For?
Investors facing temporary cash crunches, business owners needing short-term working capital, and individuals who want to preserve their investment compounding.
Regulatory Disclosure: Loan Against Mutual Funds is subject to credit approval and Loan-to-Value (LTV) limits prescribed by RBI and lending partner NBFCs/banks. Wealthline Investments provides facilitation services.
QUESTIONS & ANSWERS
Frequently Asked Questions
Common questions about Loan Against MF (LAMF). Still have queries? We are here to help.