Loan against MF & Bonds
Two powerful tools for a balanced financial life — instant liquidity through your existing mutual funds, and steady fixed income through government and corporate bonds.
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Loan against Mutual Funds
Need cash for a short-term goal? Pledge your mutual fund units instead of redeeming them — your investments keep compounding while you access funds.
Instant Liquidity
Access funds within hours of pledging eligible mutual fund units. No long approval cycles.
Investments Stay Invested
Your funds continue to earn returns and stay tax-efficient. Avoid premature redemption charges and tax events.
Attractive Interest Rates
Lower rates than personal loans or credit cards because your loan is secured against your fund holdings.
Flexible Repayment
Pay only interest on the amount you actually use. Repay principal at your own pace within agreed tenure.
From Pledge to Payout
A simple 4-step roadmap to unlock liquidity from your mutual fund investments.
Eligibility Check
Share your mutual fund holdings statement. We verify which schemes are eligible for pledging with major lenders.
Loan Sanction
Get up to 50% of equity fund value or 80% of debt fund value as your sanctioned loan limit. Decision in 24-48 hours.
Lien Marking
A lien is marked on your units in favour of the lender. Units stay in your name and continue to earn returns.
Funds Disbursed
Loan amount credited to your bank account. Use as overdraft — pay interest only on amount drawn.
Bonds & Government Securities
Stability and predictable returns to anchor your portfolio. Sovereign-backed safety with attractive yields.
Government Securities
Backed by the Government of India — the safest debt instruments available. Tenures from 91 days (T-Bills) to 40 years (G-Secs).
Corporate Bonds
AAA and AA-rated bonds from leading corporates. Earn 1-3% more than G-Secs with managed credit risk.
Tax-Free Bonds
Interest income exempt from tax under Section 10(15). Issued by government-backed entities like NHAI, REC, and PFC.
Sovereign Gold Bonds
Earn 2.5% annual interest plus gold price appreciation. Issued by RBI. Tax-free capital gains on maturity.
| Instrument | Tenure | Indicative Yield | Tax Treatment | Best For |
|---|---|---|---|---|
| 10-Year G-Sec | 10 Years | 7.05% | Taxable | Long-term safety |
| Treasury Bills (T-Bills) | 91-364 days | 6.85% | Taxable | Short-term parking |
| AAA Corporate Bond | 5-7 Years | 8.20% | Taxable | Higher fixed income |
| Tax-Free Bond (NHAI) | 10-15 Years | 5.75% | Tax-Free | High tax bracket investors |
| Sovereign Gold Bond | 8 Years | 2.5% + gold price | Tax-free at maturity | Gold exposure + income |
| Floating Rate Bond | 7 Years | 7.35%* | Taxable | Rising rate environment |
*Yields are indicative and subject to market conditions. Please refer to scheme documents for actual rates and terms.
SIP & Goal Calculator
Estimate your future wealth based on monthly investment, expected return, and time horizon.
Invested
₹18.0L
Future Value
₹50.5L
Wealth Gained
₹32.5L