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Loan Against Mutual Funds
A Loan Against Mutual Funds (LAMF) offers a smart way to access liquidity without disrupting your long-term investment strategy. Instead of redeeming your mutual fund holdings, you can pledge them as collateral to secure a loan, ensuring that your investments continue to grow while meeting your immediate financial needs.
This facility provides quick access to funds at competitive interest rates, making it an efficient option for covering unexpected expenses, seizing investment opportunities, or managing short-term cash flow gaps. However, only up to 50% of your mutual fund portfolio can be pledged for a loan, ensuring a balanced approach to leveraging your investments. Additionally, Equity-Linked Savings Schemes (ELSS) cannot be pledged within the first three years due to the mandatory lock-in period but become eligible thereafter.
By carefully structuring your loan and repayment plan, you can optimize your financial flexibility while preserving your wealth-building strategy. Whether it’s for personal, business, or investment purposes, a Loan Against Mutual Funds can help you unlock the potential of your portfolio without compromising your long-term financial goals.
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor – ARN 305993 | Date of initial registration – 20/08/2024 | Current validity of ARN – 19/08/2027