Guides and Resources
Plain-language guides on LAMF and loan against securities for Indian investors.
Loan Against Mutual Funds: Complete Guide for Indian Investors
Borrow against your mutual funds without selling them. Learn how LAMF works in India, which funds qualify, LTV ratios, and how to get funds instantly, 24/7.
LAMF Foundations
How Much Can You Borrow Against Equity and Debt Funds?
Up to 45% on equity funds, up to 85% on debt. See how your limit is blended, why it is not higher, and what happens when markets fall.
Read more →Loan Against Demat Mutual Funds: Can You Pledge SOA Units Too?
Both demat and SOA mutual funds can be pledged. See how lien marking differs by route, what stays identical, and how to check eligibility in 15 seconds.
Read more →What Are Collateral Loans? Definition, Types and How They Work
A collateral loan is a secured loan backed by an asset you own. See how they work, the main types, the pros and cons, and a worked example.
Read more →Flexi Loan Against Mutual Funds: How It Works and What It Costs
Pay interest only on what you withdraw. A flexi loan against mutual funds gives you a credit facility backed by your portfolio, with interest calculated daily on the drawn balance.
Read more →Loan Against ELSS Mutual Funds: When It Is Possible
ELSS units can only be pledged after the 3-year lock-in ends. See which of your holdings qualify, the LTV that applies, and what to do while they are locked.
Read more →How to Take a Loan Against Mutual Funds: Step-by-Step Guide
From PAN entry to first withdrawal in minutes — the complete process for getting an LAMF online in India, with no paperwork and no branch visit.
Read more →Eligibility
Loan Against Securities
Zerodha Loan Against Securities vs Loan Against Mutual Funds
Zerodha Capital lends against demat shares, ETFs and mutual funds. See how it compares with a loan against mutual funds held outside demat, on LTV, rate, withdrawal speed and unpledging.
Read more →Loan Against Securities (LAS) in India: Complete Guide 2026
Pledge stocks, mutual funds, or bonds without selling. Learn how LAS works in India, eligible securities, LTV ratios, and how it compares to a dedicated LAMF product.
Read more →Loan Against Securities Interest Rates in India
LAS rates in India start at 9.99% for mutual fund collateral. Compare banks, NBFCs and platforms, see what drives the difference, and calculate your actual cost.
Read more →What Is Lien Marking on Mutual Funds? A Complete Process Guide
Lien marking flags your mutual fund units as collateral. Units stay invested but cannot be redeemed. How it works on MFCentral, CAMS and KFintech, and how the lien is released.
Read more →LAS and Comparisons
Loan Against Mutual Funds vs Loan Against Securities: Which one should you choose?
Loan against mutual funds vs loan against securities: how they differ on collateral, LTV, rates and risk, and which is cheaper for Indian investors.
Read more →Gold Loan vs Loan Against Mutual Funds: Rate, LTV and Flexibility Compared
Gold loan vs loan against mutual funds compared on interest rate, LTV, tenure, and flexibility, with a worked example to help you pick the cheaper option.
Read more →Loan Against Mutual Funds vs Selling Your Investments: What's Better?
Selling mutual funds triggers tax and lost growth; a loan against them keeps you invested. Compare the true cost of each with a worked example.
Read more →Loan Against Mutual Funds vs Personal Loan: Which Should You Choose? (2026)
Loan against mutual funds vs personal loan compared on rates, speed, loan amount, and repayment. See which is cheaper and when each one makes sense.
Read more →Tax
Differentiator
Trust and Brand
Comparisons
Home Loan Top Up vs Loan Against Mutual Funds: Cheaper Money or Faster Money?
A home loan top up is cheaper on rate but slower and built for long tenures. Compare top up loan rates, fees and timelines with a full worked example.
Read more →Loan Against Property vs Loan Against Mutual Funds: Which Fits Your Need?
Loan against property suits large, long loans. See rates, eligibility, tax benefits and when a loan against mutual funds is the faster, cheaper pick.
Read more →Home Loan Prepayment: Should You Borrow Against Your Funds to Do It?
Borrowing at 9.99% to prepay a loan at 8.5% loses money. Here is the arithmetic, the 2026 tax rules, and the two cases that do work.
Read more →Loan Against LIC Policy vs Loan Against Mutual Funds: What You Can Actually Borrow
LIC lends 90% of surrender value, and that runs on a schedule by policy year. See what five years of premiums really gets you, in rupees.
Read more →Loan Against PPF vs Loan Against Mutual Funds: Which One Should You Use?
A PPF loan costs 1% a year, but only in years 3 to 6 and only on a quarter of an old balance. See how it compares with a mutual fund loan.
Read more →Loan Against FD or Loan Against Mutual Funds: Which Should You Use?
An FD loan looks cheaper and caps out at your deposit. A mutual fund loan costs a little more but keeps your money compounding. See which wins.
Read more →Card or Credit Line: Which Actually Costs You Less?
A card secured by your funds, or a credit line you draw as cash? Volt offers the line, not the card. Compare 36% to 45% card rates with 9.99% a year.
Read more →Pledge and Lien
Swapping Collateral: Replacing One Pledged Fund With Another
Swapping pledged units without your limit dropping comes down to the order you do it in, and to sizing the new fund by limit, not by value.
Read more →DDPI Explained: What It Is, What It Covers, and What It Does Not
DDPI lets your broker debit shares without a TPIN. SEBI limits it to two purposes, and pledging your funds for a loan is not one of them.
Read more →Margin Pledge vs Lien Marking: What Is the Difference?
Margin pledge gives you trading collateral. Lien marking gets you cash in your bank. Same word, two products. Here is which one you need.
Read more →Education
How to Avoid a Debt Trap: 9 Rules for Using a Loan Against Mutual Funds Responsibly
A credit line is cheap until it is misused. Nine rules to avoid a debt trap, stay clear of margin calls and repay a loan against mutual funds on time.
Read more →RBI Guidelines for Loan Against Mutual Funds and Shares: The 2026 Rules Explained
RBI guidelines set LTV caps, margin call timelines and disclosure rules for loans against mutual funds and shares. See what applies to you in 2026.
Read more →Loan Against Mutual Funds Charges and Fees: The Complete List
Every charge on a loan against mutual funds in rupees: processing fee, NACH mandate, bounce charges and RBI penal charge rules.
Read more →EPF Advance in 2026: The New Rules, Form 31, and What a Withdrawal Really Costs
The EPF Scheme 2026 cut 13 withdrawal grounds to three. See the new categories, the 25% minimum balance rule, and the real cost of it.
Read more →NPS Partial Withdrawal: Rules, Limits, and When Borrowing Beats Withdrawing
NPS allows 25% of your own contributions, four times, with a four-year gap. See what the base excludes, and when a loan beats it instead.
Read more →What Happens If You Cannot Repay a Loan Against Mutual Funds?
Your limit falls first, then a margin call, then the lender can sell pledged units. What each stage looks like, and the tax bill nobody warns you about.
Read more →
