Loan Solutions – Leverage Your Investments

A loan against mutual funds allows you to pledge your mutual fund units as collateral with a registered lender and avail funds without selling your investments. You continue to earn returns on your holdings while meeting your immediate financial needs.

• Loan amount typically 50-70% of the NAV value (equity funds) or 80-90% (debt funds).
• Interest rates are usually lower than unsecured personal loans.
• No need to break your investments – your portfolio continues to grow.

As your AMFI-registered MFD, we play a crucial role in helping you secure loans against your mutual fund investments efficiently and cost-effectively.

• Portfolio Analysis – We assess your portfolio and identify the best assets to pledge.
• Lender Selection – We connect you with partner banks and NBFCs offering the best terms.
• Documentation Support – We handle the paperwork, making the process seamless.
• Ongoing Monitoring – We help you manage your loan and investment portfolio together.

Understanding the differences helps you choose the right loan option for your needs. Here's how they compare.

• Loan Against Mutual Funds – Secured loan, lower interest rates, continues earning returns on investments, no impact on credit score.
• Personal Loan – Unsecured loan, higher interest rates, impacts credit score, faster processing but stricter eligibility.
• We help you choose based on your needs – loan against mutual funds is ideal if you have a strong investment portfolio.

Getting a loan against mutual funds requires minimal documentation compared to traditional loans. We help you prepare everything you need.

• Eligibility – Any individual with mutual fund holdings worth ₹50,000 or more (varies by lender).
• Documents – PAN Card, Aadhaar, statement of mutual fund holdings, bank account details.
• Your mutual fund units are pledged to the lender – the process is quick and hassle-free with our support.

Loans against mutual funds are typically more cost-effective than other borrowing options. Here's what you need to know about the costs involved.

• Interest Rates – Typically range from 8-14% p.a. depending on the lender and the type of fund (equity/debt).
• Processing Fee – Usually 0.5-2% of the loan amount, often negotiable with larger loans.
• Prepayment Charges – Some lenders charge a fee for early repayment; we help you find lenders with no prepayment penalty.

Applying for a loan through Finzen Capital is simple and hassle-free. Our team handles the entire process from start to finish.

• Step 1 – Reach out to us with your mutual fund portfolio details and loan requirements.
• Step 2 – We analyse your portfolio and identify the best loan options from partner lenders.
• Step 3 – We assist with documentation, valuation, and loan application submission.
• Step 4 – Funds are disbursed quickly, and we continue to monitor your portfolio and loan together.