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title: Loan on Mutual Funds
canonical_url: https://sanchaykaro.com/loan-on-mutual-funds/
last_updated: 2025-07-11T11:18:58+00:00
plugin_version: 1.2.1
---

# Loan on Mutual Funds

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**Eligibility Criteria**
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To apply for a loan against mutual funds, you must meet the following conditions:

- Age: You must be between **18 and 75 years** old.
- Portfolio Value: Your mutual fund portfolio should be **at least ₹50,000** in value.
- Approved Funds: You must hold mutual funds registered with **CAMS or KFintech** (RTAs).
    
    
    - **Note:** **Debt** and **ELSS funds** are **not eligible**.
- Joint Holdings: **Joint mutual fund holders are not eligible**.
- Residency: You must be an **Indian resident**.

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***Documents Required***
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This is a **completely digital process**, so **no physical documents** need to be submitted. You’ll need to provide the following information:

- **Aadhaar Number** (linked to your mobile number)
- **PAN Number**
- **Bank Account Number**
- **Bank IFSC Code**
- **Mobile Number** (must be linked to both your Aadhaar and bank account)

#### **What is a Loan Against Mutual Funds?**

A loan against mutual funds is a type of secured loan where you pledge your mutual fund units as collateral to borrow money. This allows you to access funds without having to redeem your investments.

The pledged mutual fund units remain invested, so they continue to earn potential returns, even while held by the lender. However, during the loan period, you won’t be able to sell or redeem these units.

You can typically borrow up to 50% of the value of your equity mutual fund portfolio. The value is calculated based on the Net Asset Value (NAV) of each scheme—by multiplying the number of units you hold by the NAV of each.

This type of loan offers a flexible way to meet short-term financial needs while keeping your long-term investment goals intact.

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