💡 The Smarter Way to Access Cash

Loan Against
Mutual Funds

Get instant cash against your mutual fund portfolio — without triggering taxes, without exit loads, and without disrupting your long-term wealth goals. Your investments keep growing while you solve your short-term needs.

✦ Check Your Eligibility Connect on WhatsApp

⚠️ The Hidden Cost of Redemption

Every Time You Redeem, Your Future Pays the Price

We invest in mutual funds to reach life's biggest goals. But when short-term cash needs arise, we break our investments — and silently derail everything we were building.

You invested for these goals…

📈 Wealth Creation

🌅 Early Retirement

🎓 Child's Education & Marriage

🏠 Dream Home

🏛️ Legacy Transfer

🚨 But then life happens…

Short-term cash needs force most investors to redeem mutual fund units — permanently disrupting their financial goals.

You lose future compounding on redeemed units
Exit loads reduce the amount you actually receive
LTCG/STCG tax is triggered — an avoidable cost
Your long-term goal is now underfunded

✦ There's a Smarter Way

✓Pledge your MF units as collateral and get an instant credit line — without redeeming a single unit

✓Your investments continue to grow, dividends keep flowing, and you get the cash you need today

✓Pay interest only on the amount you withdraw — not the full credit limit

✓No LTCG/STCG tax. No exit load. No CIBIL impact. No lengthy paperwork

✓Fully digital. Funds in your account within 2-3 hours

💡 "We take care of your short-term needs so your long-term goals don't suffer."

At a Glance

Loan Against Mutual Funds — Key Numbers

A credit line against your mutual fund portfolio at India's most competitive terms. Facilitated exclusively by Miracle Wealth with its associated partners.

9.99%

Onwards Annual Rate of Interest

Via Miracle Wealth · Reducing balance

₹590

Onwards Processing Fee

One-time only

25K–10Cr

Credit Limit Range

Based on MF portfolio value

5000+

Approved MF Schemes

Equity · Debt · Hybrid · Liquid

How It Works — OD-Style Smart Credit

📋

Apply

Enter PAN, mobile & email. 100% digital.

✅

Approve

Instantly check your credit limit from MF portfolio.

🔒

Pledge

Select the funds and amount to lien-mark.

💸

Withdraw

Withdraw only what you need, when you need it.

🔄

Repay

Pay interest only on amount used. Repay flexibly.

📈

No Redemption

Funds stay invested and keep compounding — your wealth journey continues uninterrupted.

⚡

Same-Day Disbursal

Funds credited to your bank account in 2-3 hours. No waiting. No delays.

🛡️

Zero Tax Trigger

No capital gains tax. No exit load. Your money, your timeline — on your terms.

When Does LAMF Make Sense?

4 Powerful Use Cases

Whether it's an emergency or an opportunity — LAMF is the tool that lets you act without compromising your investments.

🏢

Working Capital Management

Self-employed professionals and businesses often face temporary cash-flow gaps. LAMF provides quick liquidity without selling investments or taking expensive business loans.

Small Business Freelancers Seasonal Needs

🎊

Short-Term Expenses

Fund life's important expenses — weddings, medical emergencies, travel, or home renovation — without disturbing your long-term investments.

Weddings Medical Emergencies Travel Home Renovation

📊

Investment & IPO Financing

Seize investment opportunities like IPOs or market dips without selling your existing mutual funds.

IPO Financing Market Dip Buying HNI Investors

🔄

Other Financial Needs

Transfer high-interest loans, pay education fees, or manage urgent expenses with lower-cost liquidity against your investments.

Loan Transfer School/College Fees Advance Rent

Side by Side

LAMF vs Other Borrowing Options

The numbers speak for themselves. See why Loan Against Mutual Funds through Miracle Wealth is the most cost-efficient borrowing option available.

Feature	✦ LAMF via Miracle Wealth	LAMF (Others)	Credit / Debit Cards	Personal Loan
Interest Rate	9.99% p.a. onwards	10.25% p.a. onwards	14%–18%	12–24%
EMI Type	Interest Only	Interest Only	Principal + Interest	Principal + Interest
Processing Fee	₹590/- onwards	₹1,180	2–3% of Amount	2–3% of Amount
Foreclosure Charges	₹0	₹0	2–3% of Due Amount	2–3% of Due Amount
Pre-Payment Charges	₹0	₹0	2–3% of Due Amount	2–5% of Due Amount
Processing Time	2-3 Hours	Up to 6 Hours	Subject to eligibility	2–7 Days
Overall Costing	🏆 Lowest	Low	High	Highest

Real Numbers: Monthly Interest on ₹2 Lakh Loan

Annual basis · Interest-only comparison

LAMF via Miracle Wealth

₹1,642/mo · ₹19,704/yr

LAMF (Others)

₹1,685/mo · ₹20,220/yr

Credit / Debit Cards

₹2,466/mo · ₹29,592/yr

Personal Loan

₹2,630/mo · ₹31,560/yr

₹10k+ Min. savings vs credit card EMI @ 15% p.a on ₹2L loan

₹11.8k+ Max. savings vs personal loan @ 16% p.a on ₹2L loan

Additional Savings When you factor in foreclosure charges, processing fees & hidden costs

The Real Cost of Redemption

What Happens When You Don't Redeem?

The power of LAMF isn't just cheaper borrowing — it's the compounding growth you preserve by keeping your investment intact.

₹10L Investment · 12% p.a. Growth · 10-Year Horizon

₹10L

₹31L

If Redeemed
₹10L (flat)

If Not Redeemed
₹31L

₹27 Lakh

Wealth Preserved by Choosing LAMF Over Redemption

Even after paying 4 years of interest (₹4L), net gain = ₹27L

Why Pledging Always Beats Redeeming

If you redeem ₹10LYou lose all future compounding. The ₹10L stays at ₹10L — you gain nothing. Plus you pay exit load and capital gains tax.

If you pledge and borrowYour ₹10L grows to ₹31L over 10 years at 12% p.a. Even after paying 4 years of loan interest (~₹4L), your net gain is ₹27 Lakh

Zero tax triggeredNo LTCG. No STCG. No exit load. The pledge is not a sale — your fund units remain yours throughout.

Check Your Eligibility →

Product Details

Loan-to-Value Ratios

How much credit can you get against your mutual fund portfolio? It depends on the fund type.

📊 Loan-to-Value (LTV) by Fund Type

Liquid Funds

90%

Debt Funds

80%

Equity Funds

45–50%

Hybrid Funds

45–50%

5000+ approved MF schemes across all categories. Individual, HUF, and Corporate cases supported.

Quick Answers

Your Questions Answered

Everything you need to know before pledging your mutual funds.

No. Interest is calculated daily based only on the loan amount outstanding at the end of each day. If you borrow ₹50,000 out of a ₹5L limit and repay it in 10 days, you pay interest for those 10 days only — on ₹50,000 only. If you don't use the credit line at all, zero interest is charged.

Absolutely. Your existing SIPs continue without any disruption. New units purchased via SIP are not automatically pledged — only the units you specifically select for pledging are lien-marked. Your investment journey continues exactly as before.

Yes! You have complete control over which funds and how many units you want to lien-mark. You can select specific schemes from your portfolio. Note that ELSS and other locked-in units cannot be pledged. Dividends and capital gains from pledged funds continue to flow to you normally.

You can request lien removal at any time, as long as there is no pending loan amount against the pledged units. Once you request removal, it is sent to the AMC within 24 hours. AMCs typically take 3–5 working days to process and remove the lien from your statement.

No credit enquiry is made that impacts your CIBIL score when you check eligibility. The loan is secured against your MF portfolio, so the approval process is based on your portfolio value, not your credit score. This is one of the key advantages of LAMF over personal loans.

If the market value of your pledged funds falls and the loan-to-value ratio is breached, you may be asked to either top-up with additional units, partially repay the loan, or add funds to bring the ratio back within limits. This is rare for well-diversified portfolios, but good to understand upfront.