LAMF – Loan Against Mutual Funds: Swipeloan
Rohan Kadam
Do you have mutual fund investments but need urgent cash? With LAMF (Loan Against Mutual Funds), you don’t need to break your investments. Instead, you can borrow against them and still stay invested. Whether it's for a business need, emergency, or personal expense, a Loan Against Mutual Funds offers a smart, secure, and cost-effective solution.
What is LAMF?
LAMF (Loan Against Mutual Funds) is a secured credit facility where your mutual fund holdings are used as collateral. Instead of liquidating your mutual funds, you pledge them to a lender and get an instant loan based on the Net Asset Value (NAV) of your units.
You continue to earn returns on your investments while accessing funds instantly.
Key Benefits of Loan Against Mutual Funds
Loan Range: From ₹50,000 up to ₹5 Crores
Stay Invested: Your mutual funds are only pledged, not sold
Quick Processing: Get funds in just a few hours
Lower Interest Rates: Much cheaper than personal loans or credit cards
Flexible Repayment: Choose from short to medium tenure
Digital Process: Paperless and secure
How Much Can You Get?
The loan amount is based on the type and value of mutual fund units:
| Mutual Fund Type | Loan-to-Value (LTV) Ratio |
| Equity Funds | Up to 50% of NAV |
| Debt Funds | Up to 80–90% of NAV |
Example: If your equity MF units are worth ₹10 lakhs, you may get a loan up to ₹5 lakhs.
Who Can Apply?
Salaried professionals
Self-employed individuals
Business owners
Anyone holding mutual fund units in a demat or physical folio
Why Choose SwipeLoan for LAMF?
Instant Eligibility Check
No Income Proof Required
Accepts Top AMCs like HDFC, ICICI, SBI, Axis, Nippon, and more
Transparent Charges – No hidden fees
Option to Top-Up or Prepay Anytime
Easy Online Process
Enter PAN and Mutual Fund Details
Get Eligibility & Approve Loan Offer
Digitally Pledge Units
Loan Amount Disbursed Instantly
Use of Funds
A Loan Against Mutual Funds is ideal for:
Business expansion or working capital
Medical emergency or hospitalization
Home renovation or rent deposit
Education or travel expenses
Debt consolidation
Final Thoughts
LAMF is a smart financial tool that allows you to leverage your mutual fund investments without affecting your long-term wealth goals. Instead of redeeming your funds, pledge them and get immediate access to liquidity. TO KNOW MORE:
Subscribe to my newsletter
Read articles from Rohan Kadam directly inside your inbox. Subscribe to the newsletter, and don't miss out.
Written by