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Unlock Instant Cash Against Your Mutual Funds!

What is Loan against Mutual Funds?

Access funds without selling your investments. Borrow while your mutual fund holdings continue to grow.

   Money credited quickly

  100% eligibility – even with low CIBIL

  Get attractive interest rate

Get Cash Now

HOW IT WORKS

Open your credit line in 5 minutes

Step 01

Check credit limit

Your mutual fund portfolio will be evaluated & credited limit will be confirmed

Step 02

Instant KYC

Complete digital KYC process. No paperwork required!

Step 03

Pledge Your Assets

Make your mutual fund as a security with a trusted lender

Step 04

Setup Mandate

Verify online to receive cash directly in your bank account

Step 05

Withdraw Money

Withdraw and repay as per your requirement. No Hidden charges.

Check Eligibility in 15s

Funds at your fingertips

Attractive interest rate

Access low-interest rates for loan against mutual funds from trusted

Withdraw flexibly

 Withdraw as per your need, and pay only as per usage. No hidden charges.

Repay Easily

 Repay your loan against mutual funds at your convenience with monthly interest- only payments.

Secure & Paperless

Hassle free usage from mobile phone. We ensure safety through secure integrations with partners.

Check Eligibility in 15s

100% Guaranteed Eligibility

Unlock Your Financial Freedom

No minimum credit score requirement
(CIBIL score)

No restriction on employment status or profession

No minimum income requirement or bank statement

Check Eligibility in 15s

HAVE ANY DOUBTS

Frequently asked questions

  • Borrow against your mutual fund investments without losing ownership or benefits.
  • Repay anytime with no prepayment charges; interest is charged only on the withdrawn amount.
  • Available for mutual funds registered with CAMS & KFintech.
  • Ideal for expenses like travel, gadgets, balance transfers, or medical emergencies.
  • No, Moolaah provides a seamless experience to check eligible credit limits available against your mutual fund portfolio. You don’t need to upload any documents.
  • Moolaah’s loan against mutual funds is available for more than 8000+ mutual funds offered by various asset management companies (AMCs)in India. However, please note that ELSS tax saving funds with a date of purchase of less than 3 years (not matured) are not eligible for the loan.
  • Moolaah offers complete flexibility when it comes to choosing the mutual fund units you want to lien mark for setting up the loan limit. You have the freedom to change the schemes and units according to your preferences and create your own allocation for lien marking.
  • No, you do not have to pay interest on the complete line amount.
  • Moolaah provides complete flexibility for the customer, and interest is only charged on the amount withdrawn.
  • Interest is calculated daily based on the loan outstanding at the end of each day. Let’s look at a couple of scenarios to explain: ‘If the loan amount at the end of the day is zero, no interest will be charged for that day. If an amount is withdrawn, used and repaid within 10 days, you will only be charged interest for the 10 days of utilization.’
  • Yes, the credit line facility offers 100% flexibility for principal repayment but the interest must be paid on specific mandate dates.
  • The whole process is 100% digital, hence you don’t need any document in physical form. For quick processing, please keep below handy:
  • 1 . PAN and Aadhar card number
  • 2 . Your mobile number linked with mutual fund investments
  • 3 . Bank account details for account verification and receiving the loan amount
  • 4 . Debit card or net banking details for setting up the mandate.
  • When you take a loan against your mutual funds, we lien mark/pledge your mutual fund units in the name of the lender, so that it cannot be redeemed/sold until you pay back the loan. The lien marking process is done 100% digitally and in real time
  • You have the flexibility to request the removal of the lien from your mutual fund units at any time. Depending on your current loan amount and utilization, you can choose to remove the lien from specific mutual fund units or from all the units you have pledged.
  • You can change your email/mobile number through MFCentral. Steps to change email/mobile number:
  • 1 . Sign up at MFCentral
  • 2 . Put a service request to change your mobile number or email address linked to your investments.
  • 3 . MFCentral will update the email/mobile number on your behalf within 1-2 days.
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Moolaah

Moolaah is an independent wealthtech ecosystem, with the aim of delivering a better financial future to individuals and families with the help of expert advisors.

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