How long does it take to get a loan against mutual funds?

On Volt Money the entire process: eligibility check, lien marking, agreement signing, and fund disbursal, typically completes within 10 minutes on the same business day.

Is a loan against mutual funds cheaper than a personal loan?

Yes. LAMF rates start at 9.99% p.a. vs 12-24% for personal loans. On Rs 3 lakh borrowed for 90 days the saving can exceed Rs 5,000 to Rs 10,000 depending on the personal loan rate.

Guides and Resources

Q: What is lien marking on mutual funds?

Lien marking records a pledge on your mutual fund units at the registrar level (CAMS or KFintech). Once marked, those units cannot be redeemed until the loan is repaid and the lien is released.

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.

9 min read

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LAMF Foundations

LAMF Foundations9 min read

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.

LAMF Foundations7 min read

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.

LAMF Foundations6 min read

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.

LAMF Foundations7 min read

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.

Loan Against Securities

Loan Against Securities8 min read

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.

Loan Against Securities8 min read

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.

Loan Against Securities9 min read

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.

Loan Against Securities7 min read

Zerodha Loan Against Securities: Rates and LAMF Alternatives

Zerodha LAS lets you pledge demat stocks and ETFs for a credit facility. What is eligible, what it costs, and LAMF alternatives for mutual fund investors.

LAS and Comparisons

LAS and Comparisons9 min read

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.

LAS and Comparisons10 min read

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.

Tax

Tax12 min read

Capital Gains Tax on Mutual Funds: LTCG and STCG Explained (2026)

How LTCG and STCG on mutual funds are taxed in 2026: equity and debt rates, holding periods, a worked example, and how to raise cash without selling.

Differentiator

Differentiator8 min read

Should You Stop Your SIP in a Financial Emergency? Try a Loan Against SIP Instead

Stopping a SIP for a short cash need can cost years of compounding. See how a loan against mutual funds raises cash while your SIP keeps running.

Trust and Brand

Trust and Brand10 min read

Is Volt Money Safe? How Your Mutual Funds Are Protected

Learn how Volt Money works through RBI-regulated lending partners, registrar-level lien marking, DigiLocker KYC, and transparent KFS disclosures.

Frequently asked questions

A loan against mutual funds (LAMF) is a credit line where your mutual fund units serve as collateral. You borrow without selling your units; they stay invested and keep earning returns. Interest is charged only on the amount you actually withdraw.

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