Get a loan by leveraging your equity investments without selling them.
Get a loan by leveraging your equity investments without selling them.
Leverage your mutual fund investments to get a loan without liquidating your assets.
Leverage your mutual fund investments to get a loan without liquidating your assets.
We are provide best services and finaancial solution for you.
We are provide best services and finaancial solution for you.
We are provide best services and finaancial solution for you.
No need to wait for days. Complete 6 simple steps to get an overdraft limit against mutual funds within minutes using the MAFS mobile app
You can make payment towards your outstanding amount anytime with zero foreclosure charges.
Select from a large list of approved mutual funds from different asset management companies (AMCs) in India.
MAFS provide access to funds whenever you need them. Get the required amount credited directly to your provided bank account on the same day.
With the MAFS mobile app you can complete your entire journey online from your mobile device without any need of submitting physical documents.
Allow your mutual funds to achieve long-term goals. You continue to retain ownership of your mutual funds and reap all the benefits that are associated with it.
A loan against equity is a secured loan where you pledge your shares, stocks, mutual funds, or other equity assets as collateral to get a loan. You can continue holding ownership while using the loan amount for personal or business needs.
You pledge your equity holdings (stocks, mutual funds, etc.) as collateral. The lender evaluates the value and grants a loan based on a Loan-to-Value (LTV) ratio. You repay the loan through EMIs or a structured repayment plan while retaining ownership of your assets.
You can pledge:
The loan amount depends on the LTV (Loan-to-Value) ratio, typically 50% - 80% of the market value of your pledged assets.
Interest rates vary by lender but are generally lower than unsecured loans, typically ranging between 8% - 14% per annum.
Eligibility criteria vary, but generally, you must be:
Common documents include:
Once approved, the loan amount is directly credited to your bank account.
No, pledged shares are held by the lender and cannot be traded until the loan is repaid. However, dividends and bonuses still belong to you.
If the market value of your pledged assets drops, the lender may:
Yes, most lenders allow prepayment or foreclosure, though some may charge a nominal prepayment fee.
If you default, the lender has the right to sell your pledged shares to recover the outstanding amount.
Loan tenure typically ranges from 12 months to 5 years, depending on the lender.
Most lenders only accept listed shares. For unlisted shares, alternative financing options like a loan against securities may be required.
Loan Against Equity: A structured loan where pledged shares are collateral.
Margin Loan: A brokerage-based credit line used for stock trading.
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