Loan Against Mutual funds

 

Liquidity Without Breaking Your Investments

Need funds but don’t want to sell your mutual fund investments?

With a Loan Against Mutual Funds (LAMF), you can unlock liquidity while your investments stay intact. This allows you to meet short-term needs without disrupting your long-term wealth plan.

At Steadrow Capitals, we help you access loans against your mutual fund holdings at interest rates starting from 10.3% per annum, through a simple and fully digital process.

 

Why Choose Loan Against Mutual Funds?

Selling mutual funds can:

  • Break long-term compounding
  • Trigger capital gains tax
  • Force you to exit at the wrong market time

A loan against mutual funds lets you borrow instead of selling, so your investments continue to stay invested and potentially grow.

 

How It Works – A Simple Illustration

You hold mutual funds worth ₹20 lakh.

Instead of redeeming them:

  • You pledge the units digitally
  • Receive a loan against their value
  • Continue to remain the owner of the funds

Once the loan is repaid, the pledge is removed, your investments remain untouched.

 

Key Benefits

  • Interest rates starting from 10.3% p.a.
  • 100% paperless and digital process
  • No need to sell mutual fund units
  • Faster access to funds
  • No impact on long-term investment strategy
  • Units remain in your demat / folio, only pledged

When Does This Make Sense?

Loan against mutual funds is useful when:

  • You need short-term liquidity
  • You don’t want to disturb long-term investments
  • You want to avoid unnecessary tax outflow
  • You expect cash inflows in the near future
  • You want a flexible borrowing option

 

In Summary

A Loan Against Mutual Funds is a smart liquidity solution for investors who want access to funds without compromising long-term wealth creation.

It combines convenience, speed, and efficiency, all while keeping your investments working for you.

 

How Steadrow Capitals Helps

We help you:

  • Evaluate if a loan against mutual funds suits your need
  • Access competitive interest rates
  • Complete the entire process digitally and smoothly
  • Structure borrowing without harming your financial plan

If you need liquidity but want your investments to stay invested, a loan against mutual funds can be the right solution.

Apply Now