Need urgent funds for a personal goal, business venture, or medical emergency — but don’t want to sell your mutual fund investments? A Loan Against Mutual Funds (LAMF) helps you unlock instant liquidity by pledging your mutual fund units as collateral, without disturbing your portfolio. In 2025, applying online through StockProAnalysis is quick and hassle-free. You can compare top lenders, get approvals in 24–48 hours, and even receive our exclusive 0% interest EMI assistance — a repayable support to ease your EMI burden during tough times. This guide walks you through interest rates, application steps, and how StockProAnalysis helps you borrow smarter and repay with peace of mind.
What is a Loan Against Mutual Funds?
A Loan Against Mutual Funds (LAMF) is a secured loan where you pledge your mutual fund units (equity, debt, or hybrid) to borrow money. Instead of redeeming your investments, you use their value to secure funds for needs like medical expenses, education, or business cash flow, all while your portfolio continues to grow.
- Key Features:
- No need to sell your mutual funds; retain potential returns.
- Borrow up to 50% (equity funds) or 75–80% (debt funds) of the Net Asset Value (NAV).
- 100% digital process with fast disbursal in 1–3 days.
For example, if you have ₹10 lakh in debt mutual funds, you could borrow ₹7.5–8 lakh, depending on the lender.
Loan Against Mutual Funds: Interest Rate Comparison (2025)
Here’s a look at interest rates and loan amounts from top Indian lenders in 2025:
Lender | Interest Rate (p.a.) | Loan Amount Range |
SBI | 8%–12% | ₹50,000–₹5 Cr (debt), ₹10 Lakh (equity) |
HDFC Bank | 8.5%–11.5% | ₹1 Lakh–₹10 Cr |
ICICI Bank | 10.75%–11.75% | ₹1 Lakh–₹1 Cr (online) |
Bajaj Finserv | 10.5%–15% | ₹10,000–₹1,000 Cr |
Kotak Mahindra | 9%–11.5% | ₹1 Lakh–Case-by-case |
Axis Bank | 9.5%–13.5% | ₹1 Lakh–₹5 Cr |
Note: Rates vary based on fund type (equity, debt, hybrid), NAV, fund house, and your credit profile. Compare offers on [Your Platform] for the best deal.
Why Choose Stockproanalysis for Your Loan?
stockproanalysis isn’t just another loan portal—it’s your partner in making borrowing hassle-free and cost-effective.
- Our Benefits:
- Compare rates from India’s top banks and NBFCs in one place.
- 100% online, secure application process.
- Loan amounts from ₹10,000 to ₹25 lakh.
- Approvals in as little as 48 hours.
- 0% Interest EMI Assistance: We cover your interest, so you repay only the principal.
- Trusted by over 1,000 happy borrowers.
What is 0% Interest EMI Assistance?
Our special offer helps ease your interest burden. If you face difficulty paying your EMI in any month, we cover the interest portion of your loan — so your credit score remains intact and you don’t miss an EMI.
✅ You only repay the principal amount.
✅ We offer up to 3% of your loan amount as assistance, which you can use only when needed.
✅ This assistance is provided in the form of interest support, and you repay it later during the loan tenure — without any extra interest.
📌 No hidden charges
📌 Your EMI stays on track
📌 This support is repayable — but interest-free
Documents Required
To apply for LAMF, prepare these documents:
- PAN Card: For identity and tax purposes.
- Aadhaar Card: For address verification and KYC.
- Bank Statement: Last 3–6 months.
- Mutual Fund Statement: From CAMS/KFintech or your fund house.
- Selfie/Passport-Size Photo: For verification.
- Loan Agreement: Digital eSign accepted.
Tip: Upload documents on stockproanalysis to complete KYC in under 10 minutes.
How to Apply Online for a Loan Against Mutual Funds
With stockproanalysis, getting an LAMF is quick and straightforward:
- Start Your Application: Fill out a simple form on our website .
- Upload Documents: Submit KYC, mutual fund statement, and bank details.
- Verification & Approval: Completed in 24–48 hours.
- Disbursal: Funds credited directly to your bank account.
Charges & Key Considerations
- Processing Fee: ₹1,000–₹10,000 (varies by lender and fund type).
- Stamp Duty: As per state laws.
- Prepayment Charges: Usually nil; confirm with the lender.
- Late EMI Penalty: ~2% per month on overdue amounts.
- Margin Calls: If NAV drops significantly, you may need to pledge additional units or make partial repayments.
📣 Need EMI Support?
✅ Apply online
✅ Get 0% interest EMI help (up to 3%)
✅ Loan approval in 48 hours
✅ Keep your shares — no selling required
👉 [Apply Now – Support When You Need It Most]