India's fastest growing instant Loan Against Mutual Funds (LAMF) online platform. Borrow up to ₹10,00,000 at lowest LAMF interest rate @9% p.a. without selling a single unit. 100% digital, zero paperwork, same-day disbursal.
Your Loan Against Mutual Funds Eligibility (45% of portfolio)
at fixed 9% p.a. Monthly interest: ₹3,375
37 investors got funded today and the average disbursal time is 3 hrs 12 min
Estimate based on 45% LTV · Max loan ₹10,00,000 · Fixed rate 9% p.a. · Soft KYC — zero CIBIL impact
You can easily apply for an instant loan against mutual funds online and get quick access to cash. The Loan against mutual funds online process is very easy and 100% secure. We break down each step, helping you apply confidently, pledge your investments and receive funds without unnecessary delays. Follow our step-by-step process to apply for an instant loan against mutual funds online securely
Why Choose Bulwark Capital
A loan against mutual funds in India is the smartest way to access instant liquidity without disrupting your long-term wealth creation goals. You can secure quick funds at the lowest mutual fund loan interest rate while continuing to benefit from potential market growth by pledging eligible mutual fund units as collateral.
Your mutual fund units are pledged as collateral but continue to earn returns. You don't miss a single rupee of market gains while your loan is outstanding.
Personal loans charge 14–24% p.a. Our fixed 9% p.a. on LAMF saves you thousands in interest because your portfolio acts as secure collateral.
Once your portfolio is verified and the loan offer is accepted, funds are credited to your bank account within 4 hours — on the same day.
This is a secured loan backed by your mutual fund assets. No hard credit inquiry is made. Your CIBIL score remains completely unaffected.
Redeeming mutual funds triggers STCG or LTCG tax. Borrowing against them doesn't. LAMF lets you access money without a tax event.
Pay interest-only each month, part-prepay when you have surplus, or close the loan fully. Zero foreclosure charge. Complete flexibility.
LAMF vs Alternatives
Compare how Loan Against Mutual Funds is a smarter option than taking a personal loan or redeeming your investments — across the factors that truly impact your finances.
Personal loans generally come with higher interest rates and stricter eligibility requirements as they are unsecured.
In contrast, Loan Against Mutual Funds offers comparatively lower interest rates with simpler eligibility criteria, since your mutual fund investments act as collateral.
| Feature | Bulwark LAMF ✦ | Personal Loan | Redeem MF |
|---|---|---|---|
| Interest rate | 9% p.a. Fixed | 14%–24% p.a. | N/A |
| CIBIL / Credit score impact | ✓ Zero impact | ✗ Hard inquiry | ✓ None |
| Portfolio stays invested | ✓ Stays invested | ✓ Stays invested | ✗ Liquidated |
| Market returns during tenure | ✓ Continues earning | ✓ Continues earning | ✗ No returns |
| Capital gains tax triggered | ✓ No tax event | ✓ No tax event | ✗ STCG / LTCG applies |
| Exit load charged | ✓ None | ✓ None | ⚠ May apply |
| Disbursal time | ~4 hours | 2–7 days | T+2 (2–3 days) |
| Documentation / paperwork | ✓ Zero paperwork | ✗ Heavy docs required | Minimal |
| Prepayment penalty | ✓ Zero | ✗ 2%–4% charged | Exit load may apply |
| Processing | 100% Digital | Mostly offline | Online |
Who Can Apply
Loan Against Mutual Funds is available to a wide range of investors.
Let’s explore mutual fund loan eligibility criteria for a Loan Against Mutual Funds (LAMF).
Indian resident individual
Salaried, self-employed, or business owner
Age 18 to 70 years
PAN card linked to your mutual fund account
Mutual fund holdings with CAMS / KFintech
Equity, debt, or hybrid funds (not liquid / overnight)
Minimum portfolio value of ₹11,111
Borrow up to 45% — max loan ₹10,00,000
Mobile number linked to MF account
Same number registered with your AMC / CAMS / KFintech
Active Indian bank account
For loan disbursal and repayment
Understanding loan against mutual funds interest rates and other charges helps you borrow smarter. It gives you clarity on applicable rates, processing fees and other costs involved. Knowing these details in advance helps you compare lenders, avoid surprises and manage repayments efficiently without impacting your investment goals.
@9%
Competitive & market-linked
₹1,000
+ applicable taxes
Zero
No prepayment penalty
There are two types of loan against mutual funds interest rates — fixed and floating. You can choose the right loan structure by understanding how these interest rates affect your repayment amount, borrowing cost, and financial flexibility.
A fixed interest rate stays the same as agreed on the day of taking the loan throughout the loan tenure, so your EMI remains constant and predictable.
It is suitable for borrowers who prefer stable monthly repayments and easier financial planning.
A floating interest rate is linked to the RBI’s repo rate and changes with market conditions, so your EMI may increase or decrease over time depending on interest rate movements.
It is suitable for borrowers who are comfortable with market fluctuations and want the benefit of lower rates when interest rates fall.
Most lenders offer Loan Against Mutual Funds at interest rates ranging between 9% to 12% per annum. The exact rate depends on the lender, the type of mutual funds pledged, and the overall risk profile of the portfolio.
Bulwark Capital offers both EMI and Interest-Only repayment options, giving you the flexibility to choose what suits your cash flow best. You can get funding of up to 50% of your mutual fund value, with loan amounts up to ₹10 lakhs.
Under both options, you can make part-payments anytime without any prepayment charges, and interest is charged only on the outstanding loan balance.
You can check your exact EMI using our loan against mutual funds calculator.
Bulwark Capital is a Gurgaon based RBI-Licensed Non-Banking Financial Company(NBFC) in India. We are a trusted platform offering loans against mutual funds in India. We guide, protect, and grow your wealth, making your financial journey simple and secure.
India's premier platform offers instant loans against mutual funds granting swift credit to millions in under 5 minutes. Bulwark Capital is a cutting-edge digital platform that revolutionizes the way individuals access loans by allowing them to leverage their mutual funds as collateral. Launched with a focus on seamless, 100% digital transactions, Bulwark Capital offers a hassle-free borrowing experience.
Know More About UsOur Loan Against Mutual Funds financial service helps you meet urgent financial needs while staying invested for long-term growth.
📞 Still have questions? Our dedicated support team is here to help. Call us anytime!
Bulwark Capital combines technology with strong customer support. The digital application process was convenient, and the guidance provided ensured there were no delays or uncertainties. A trustworthy platform for accessing loans against mutual funds.
Mangaluru
I had an excellent experience with Bulwark Capital. The verification and approval process was quick, and using platforms like Aadhaar verification and digital signatures made everything seamless. The loan product is very valuable, and I will gladly recommend it to my friends.
Delhi
Completely digital and hassle-free! I got my loan against mutual funds within a few hours without any physical paperwork. Quick, smooth, and reliable.
Indore
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