Get cash without redeeming your investments.
Need funds urgently? Pledge your mutual fund units and get an instant loan — while your investments stay invested and keep compounding.
Instant Approval
Digital pledge and disbursement within hours, not days.
Stay Invested
Your mutual fund units stay in your name and continue to grow.
Pay Only for What You Use
It's an overdraft — interest charged only on the amount drawn.
No Capital Gains Tax
You're not selling units, so no exit load and no LTCG/STCG hit.
Attractive Interest Rates
Rates typically much lower than personal loans or credit cards.
Flexible Repayment
Repay whenever you can. No fixed EMI pressure.
How it works
- 1Talk to us
Share your existing mutual fund holdings — we'll evaluate eligible units and your borrowing limit.
- 2Digital pledge
Units are pledged with the lender online. No physical paperwork, no branch visit.
- 3Get your credit line
Sanctioned overdraft limit is set up in your bank account — usually the same day.
- 4Use as needed
Withdraw any amount, any time, up to your limit. Interest applies only on the amount used.
- 5Repay flexibly
Repay whenever it suits you. Once the loan is closed, the pledge is released.
Who is it for?
Loan against mutual funds is ideal if you have a short-term cash need — a medical emergency, business working capital, a large purchase, or a temporary shortfall — but you don't want to break your long-term investments and lose out on future compounding. Instead of redeeming, you borrow against your portfolio and continue to stay invested.
Whether the loan against mutual fund route is right for you depends on your holdings, rates on offer, and how long you'll need the funds. Talk to Krushnakant Thakor at SK Investment for a straightforward assessment.
Important: SK Investment is not a bank, NBFC or lender and does not itself give loans. Loans against mutual fund units are sanctioned and disbursed solely by RBI-regulated partner banks / NBFCs, subject to their eligibility norms, interest rates and terms. We only assist you with the referral and paperwork.
Need liquidity without redeeming your MFs?
Send us a quick WhatsApp — we'll review your holdings and share how much you can borrow.