When you need urgent funds, selling your mutual fund investments might seem like the only option. But what if you could keep your investments intact while still accessing money?
That’s exactly what a Loan Against Mutual Funds (LAMF) offers. With Vizzve Finance, you can unlock the value of your portfolio without disrupting your long-term financial growth.
What is a Loan Against Mutual Funds?
A Loan Against Mutual Funds allows you to borrow money by pledging your mutual fund units as collateral. Instead of redeeming your investment, you get a credit line or lump sum loan, while your funds continue to earn returns.
How It Works
Portfolio Assessment – Vizzve Finance evaluates your mutual fund holdings.
Pledging Units – The units are pledged to the lender through your depository or mutual fund registrar.
Loan Disbursement – Funds are credited to your account quickly.
Repayment – Flexible repayment options, with interest charged only on the borrowed amount.
Advantages of Loan Against Mutual Funds with Vizzve Finance
No Need to Sell Investments – Keep earning returns while accessing funds.
Quick Processing – Instant approval with minimal documentation.
Lower Interest Rates – Cheaper than personal loans or credit cards.
Flexible Repayments – Pay as per your convenience.
When Should You Use It?
A loan against mutual funds can be ideal for:
Emergency medical expenses
Education fees
Business cash flow needs
Wedding or travel expenses
Debt consolidation
Eligibility Criteria
Must hold mutual funds with recognized AMCs in India
Applicant must be 18+ years of age
KYC compliance
Documents Required
PAN Card
Aadhaar Card
Mutual Fund Statement
Bank account details
Why Choose Vizzve Finance for Your LAMF?
At Vizzve Finance, we combine fast approvals, competitive interest rates, and customer-first service to help you make the most of your investments without sacrificing them. Our secure digital platform ensures a hassle-free loan process.
Conclusion
A Loan Against Mutual Funds is a smart way to meet your financial needs without breaking your investment strategy. With Vizzve Finance, you get instant liquidity, flexible repayment options, and the confidence that your money is still working for you.
FAQs
Q1. Can I still earn returns on my mutual funds after pledging them?
Yes. The funds remain invested, and you continue to earn returns as per market performance.
Q2. What is the maximum loan amount I can get?
It depends on the type of mutual fund and its market value – generally 50–90% of the value.
Q3. How soon can I get the funds?
With Vizzve Finance, loan disbursal can happen within hours after pledge confirmation.
Q4. Is there a minimum loan tenure?
Typically, tenure is flexible – from a few days to several months, depending on agreement.
Published on : 10th August
Published by : SMITA
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