What is LAS?

Loan Against Securities is a smarter way to get funds without selling your investments.

Your investments are your long term wealth

You Don’t Need To Sell Or Surrender Them For Short-Term Or Emergency Funds

You Can Just Unlock A Loan Against Them

Understand More. Decide Better.

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Basics

What is Loan Against Securities?

Access quick funds by pledging your investments, giving you liquidity without selling your assets.

November 13, 2025

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6 minutes

Basics

Loan vs. Surrender: What's Smarter for Your Policy

Access funds without ending your life cover.

November 13, 2025

•

4 minutes

Basics

How Loan Against Mutual Fund Work

Giving you liquidity without redeeming your investments or losing market growth.

November 13, 2025

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5 minute read

Got Question? We Got Answers

Which are the eligible mutual funds?

Only mutual funds in non-demat form (i.e., in Statement of Accounts or physical form) are eligible Equity MFs are typically eligible for 45% of their market value, while debt MFs can offer up to 75%.

Which are the non-eligible mutual funds?

The following mutual funds are not eligible for a loan:Funds held in demat formTax-saving ELSS funds with a 3-year lock-in periodFunds that are already pledgedNeed help with demat MFs? Contact our support team to explore available options.

What should I keep in mind while pledging mutual funds for a loan?

• Eligibility check: Make sure the mutual funds you're pledging are eligible.
• No redemption: You cannot redeem or transfer the pledged funds until the loan is fully repaid.
• Monthly interest: Interest payments are auto-debited each month.
• Late fees: Missing a payment may result in penalties.

How is the credit limit calculated?

Your credit limit is determined based on the current market value of your pledged mutual funds:Up to 45% for equity mutual fundsUp to 75% for debt mutual funds.

How is my monthly interest calculated?

You pay only the monthly interest, based on the annual Rate of Interest (ROI). For example, on a ₹1,00,000 loan at 10.75% ROI, your monthly interest is ₹895.

Can I get funding against joint accounts?

Yes, you can pledge mutual funds held in joint accounts. However, both account holders must authorize the loan by signing the application.

Can LAMF be used like a credit line?

Yes, LAMF functions just like a credit line. You can borrow, repay, and withdraw again anytime within your approved limit, without the need to reapply each time. It's flexible,convenient, and always accessible when you need it.

What should I do if I face issues during loan disbursement or agreement signing?

If you experience any issues, such as delayed loan disbursement or challenges during the agreement signing process, our support team is here to help. Simply reach out to us through the Help Center or use the chat option for quick assistance.We're here to ensure a smooth and hassle-free experience!

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