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Loan Against Mutual Funds Calculator Calculate LAMF EMI & Loan Amount Online
A loan against mutual funds calculator helps you estimate your EMI and eligible loan amount instantly. Enter your loan amount, interest rate, and tenure — and the LAMF calculator shows your monthly payment and total repayment in seconds. No calls, no waiting.
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
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Interest is calculated on daily basis
Pay principal whenever it suits you
Pay only interest as monthly installments
Zero charges on early payment
How to Use the Loan Against Mutual Funds Calculator
- Enter the loan amount — the amount you want to borrow against your pledged mutual funds.
- Input the interest rate — enter the rate your lender has quoted, in % per annum (Bulwark Capital ~9%).
- Select the loan tenure — choose your repayment period in months or years (default tenure is 12 months).
- Click Calculate — the calculator will process your inputs instantly.
- View your results — your EMI, total interest payable, and total repayment amount will appear instantly.
How the Loan Against Mutual Funds Calculator Works
- It calculates your EMI using the standard reducing-balance loan formula.
- Your eligible loan amount depends on the Loan-to-Value (LTV) ratio applied to your mutual fund holdings.
- LTV typically ranges between 50% and 80% of your mutual fund’s current value, depending on fund type and lender policy.
- Interest is calculated based on the loan amount, applicable rate, and tenure you select.
EMI Formula
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
P = Loan Amount
R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
N = Loan Tenure in months
Interest-Only Formula
Daily interest = P × (R / 365)
Monthly interest = Daily interest × N
P = Principal outstanding on the day
R = Annual rate of interest
N = Number of days in a month
Example Calculation
| Parameter | Value |
|---|---|
| Loan Amount | ₹300,000 |
| Interest Rate | 9% p.a. |
| Tenure | 12 months |
Results:
- Monthly EMI: ~₹26,236
- Total Interest Paid: ~₹14,832
- Total Repayment: ~₹314,832
Your mutual fund units stay pledged — not sold — and continue earning returns while the loan runs.
Factors Affecting Your EMI
Loan Amount — the more you borrow, the higher your monthly EMI.
Interest Rate — even a small rate difference affects what you pay back over the full tenure.
Loan Tenure — a longer tenure means smaller EMIs, but your total interest outgo goes up.
LTV Ratio — lenders decide how much of your fund value they will lend. A higher LTV means more borrowing capacity.
Benefits of Using a LAMF Calculator
- Instant results — get your EMI estimate in seconds, without speaking to anyone.
- Monthly budget planning — confirm that the EMI fits your cash flow before you commit.
- Loan scenario comparison — adjust tenure or amount and see how total interest changes.
- Better borrowing decisions — go in knowing the numbers, not just the offer.
Important Notes
- Results are indicative — actual EMI may vary slightly by lender.
- Interest rates and LTV ratios depend on mutual fund type and lender policies.
- Many LAMF products charge interest only on the amount withdrawn, not the full sanctioned limit — the calculator may not always reflect this.
Calculate Before You Borrow
- Use the loan against mutual funds calculator to estimate your EMI instantly.
- Adjust loan amount, rate, and tenure to compare different borrowing scenarios.
- Make informed borrowing decisions — without disturbing the investments you have already built.