Secured Credit
Digital Lending Desk
Borrowing APR
From9.25%p.a.
Zero Foreclosure Instant Approval
Borrowing Limit₹ 50,000
Tenure12M – 180M
⚡ 48-Hour Disbursal · APR from 8.5% · Zero Portfolio Liquidation
Loan Against Mutual Funds (LAMF) & Loan Against Property (LAP)
Unlock immediate liquidity without selling your long-term wealth investments. Access credit lines against mutual funds in 2 hours starting at 9.25% p.a. or high-quantum Loan Against Property (LAP) up to ₹50 Crores.
Rate from 9.25% p.a.Significantly Cheaper than Unsecured Loans
2-Hour Digital LAMFZero Paperwork Pledge Process
Never Sell InvestmentsKeep Earning Returns & Dividends
Flexible OverdraftPay Interest Only on Utilized Amount
Capital Facilities
Tailored Liquidity Spectrum
Leverage your financial net worth without triggering capital gains taxes or giving up long-term equity compounding.
⚡ FLAGSHIP FACILITY · UP TO 80% LTV
Loan Against Mutual Funds (LAMF)
Unlock immediate revolving credit line against approved equity and debt funds in 4 hours. Keep your SIPs active and preserve full equity compounding while paying interest only on the exact funds drawn down.
APR: From 8.5% p.a. • Tenure: 12–36M Revolving • Taxes: 0% Capital Gains Trigger
4 HoursDigital Disbursal to Bank Account
LAS Facility
Loan Against Securities & Bonds
Instant revolving overdraft against listed equity shares, sovereign gold bonds, and corporate debentures with flexible drawdowns.
LTV: Up to 50–70%Approval: Instant Online
Mortgage & LAP
Loan Against Property
High-ticket commercial and residential property leverage up to ₹25 Crores for working capital and business expansion.
Ticket: Up to ₹25 CrTenure: Up to 15 Years
Credit Privilege
Premium Institutional Cards
Curated elite credit cards offering low forex markups, complimentary airport lounge memberships, and reward multipliers.
Forex: Low MarkupLounge: Global Priority
Paperless Execution
4-Step Digital Disbursal Flow
From portfolio authorization to cash in your bank account in as little as 4 hours.
00:00
Portfolio Link
Connect your portfolio via CAMS/KFintech or NSDL/CDSL with secure OTP verification in 30 seconds.
00:15
Instant Limit Sanction
Automated credit risk assessment provides your pre-approved limit and interest rate bracket instantly.
00:45
Digital Lien Marking
Execute electronic lien marking with depositories 100% paperless without physical branch visit.
04:00
Direct Bank Credit
Draw down funds directly into your verified bank account. Pay interest only on what you withdraw.
Cost Analysis
Compounding vs Liquidation Arithmetic
Selling ₹10 Lakhs of MF costs ₹1.25 Lakhs in taxes + loss of 14% CAGR. Borrowing at 8.9% preserves ₹3.8 Lakhs net wealth.
Financial Metric
Liquidating / Selling Units
Borrowing via LAMF Overdraft
Tax Impact
Immediate 12.5% LTCG / 20% STCG Tax liability
0% Tax Event (Loan is not taxable income)
Compounding Power
Permanently lost. Zero equity upside on sold amount
Full 100% portfolio remains invested at ~14% CAGR
Interest Cost
Nil explicit interest, but high opportunity loss
Simple interest only on amount utilized (from 8.5% p.a.)
Re-investment Hurdle
Must time market re-entry and pay STT/charges
Instant repayment anytime with zero prepayment penalty
Active Credit Lines
Curated Loan Products (LAMF & LAP) Solutions
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
Secured Credit
Partner Banking Consortium
Borrowing APR
From8.75%p.a.
Zero Foreclosure Instant Approval
Borrowing Limit₹ 25 Lakhs
Tenure12M – 180M
Credit Intelligence
Leverage Arithmetic & Disbursal Tools
Model interest costs, compare liquidation versus borrowing, and check pre-approved portfolio limits.
Leverage Analytics⚡ Instant LTV Check
Loan Against MF (LAMF) Limit Calculator
Calculate your pre-approved credit line up to 80% LTV against approved equity and debt funds in 30 seconds.
Cost Comparison📊 Tax Arbitrage
Compounding vs Liquidation Arithmetic
Simulate tax savings and preserved 14% equity CAGR when borrowing at 8.9% instead of selling investments.
Instant Disbursal⚡ 4-Hour Disbursal
Digital Lien Marking & Sanction Desk
Execute 100% paperless depository lien marking through CAMS or KFintech with direct bank drawdown in 4 hours.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
Which mutual funds are eligible for Loan Against Mutual Funds (LAMF)?
Over 5,000+ mutual fund schemes registered with CAMS and KFintech are eligible, including Equity, Flexi-Cap, Large-Cap, Hybrid, Debt, and Liquid funds. Equity funds typically offer a loan-to-value (LTV) of up to 50%, while Debt/Liquid funds offer up to 80% LTV.
Do I still receive dividends and capital appreciation while my funds are pledged?
Yes! Your mutual fund units remain in your name with the AMC. All NAV appreciation, dividends, and corporate actions continue to accrue directly to you. Only the redemption of units is locked until you release the pledge.
How do I release or un-pledge my mutual funds?
As soon as you repay the utilized loan balance, you can request an un-pledge through your portal. The digital lien is removed within 24 business hours, restoring full redemption freedom to your units.
What is the minimum and maximum loan amount under LAMF?
Digital Loan Against Mutual Funds starts from as low as ₹25,000 up to ₹5 Crores for individuals, with customized higher limits available for corporate entities.
Regulatory Disclosure & Risk Notice: Credit facilities are disbursed by RBI-registered Scheduled Commercial Banks and Non-Banking Financial Companies (NBFCs). Interest rates, loan-to-value (LTV) ratios, and approval terms are subject to lender underwriting criteria. Pledged investments may be subject to margin calls if underlying NAVs decline significantly. KS Finoleg Services Pvt Ltd (MFeasy) acts as an authorized loan sourcing partner.