{"id":15586,"date":"2026-01-19T17:50:06","date_gmt":"2026-01-19T12:20:06","guid":{"rendered":"https:\/\/www.tickertape.in\/blog\/?p=15586"},"modified":"2026-01-20T11:39:49","modified_gmt":"2026-01-20T06:09:49","slug":"loans-against-mutual-funds-a-new-offering-from-tickertape","status":"publish","type":"post","link":"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/","title":{"rendered":"Loans Against Mutual Funds: A New Offering from Tickertape!"},"content":{"rendered":"\n<p>At Tickertape, we have always been committed to building a simple investment analysis experience for all retail investors. Now, we are launching a new offering to help you\u00a0<strong>do more with your investment<\/strong>s with a loan against <a href=\"https:\/\/www.tickertape.in\/blog\/mutual-funds\/\">mutual funds<\/a>!<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#Introducing-Loan-Against-Mutual-Funds-on-Tickertape\" title=\"Introducing Loan Against Mutual Funds on Tickertape!\">Introducing Loan Against Mutual Funds on Tickertape!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-is-a-Loan-Against-Mutual-Funds\" title=\"What is a Loan Against Mutual Funds?\">What is a Loan Against Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#Which-is-Better-%E2%80%93-Breaking-Investments-or-Taking-a-Loan-Against-Investments\" title=\"Which is Better \u2013 Breaking Investments or Taking a Loan Against Investments?\">Which is Better \u2013 Breaking Investments or Taking a Loan Against Investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#Who-can-Take-Loan-Against-Mutual-Funds\" title=\"Who can Take Loan Against Mutual Funds?\">Who can Take Loan Against Mutual Funds?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#Check-your-credit-limit-now\" title=\"Check your credit limit now\">Check your credit limit now<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-is-the-Mutual-Fund-Credit-Limit\" title=\"What is the Mutual Fund Credit Limit?&nbsp;\">What is the Mutual Fund Credit Limit?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-Can-You-Use-a-Loan-Against-Mutual-Funds-For\" title=\"What Can You Use a Loan Against Mutual Funds For?&nbsp;\">What Can You Use a Loan Against Mutual Funds For?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#How-is-a-Loan-Against-Mutual-Funds-Different-from-a-Personal-Loan\" title=\"How is a Loan Against Mutual Funds Different from a Personal Loan?\">How is a Loan Against Mutual Funds Different from a Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-is-the-Criteria-for-Eligibility-for-Loan-Against-Mutual-Funds-at-Tickertape\" title=\"What is the Criteria for Eligibility for Loan Against Mutual Funds at Tickertape?\">What is the Criteria for Eligibility for Loan Against Mutual Funds at Tickertape?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-are-the-Documents-Required-to-Take-a-LAMF-at-Tickertape\" title=\"What are the Documents Required to Take a LAMF at Tickertape?\">What are the Documents Required to Take a LAMF at Tickertape?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#How-to-apply-for-a-Loan-Against-Mutual-Funds\" title=\"How to apply for a Loan Against Mutual Funds?\">How to apply for a Loan Against Mutual Funds?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#Apply-for-a-loan-today\" title=\"Apply for a loan today\">Apply for a loan today<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#How-Can-You-Close-the-Loan\" title=\"How Can You Close the Loan?\">How Can You Close the Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#What-more-can-I-do-with-Mutual-Funds-on-the-Tickertape-Platform\" title=\"What more can I do with Mutual Funds on the Tickertape Platform?\">What more can I do with Mutual Funds on the Tickertape Platform?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tickertape.in\/blog\/loans-against-mutual-funds-a-new-offering-from-tickertape\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"introducing-loan-against-mutual-funds-on-smallcase\"><span class=\"ez-toc-section\" id=\"Introducing-Loan-Against-Mutual-Funds-on-Tickertape\"><\/span>Introducing Loan Against Mutual Funds on Tickertape!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;Before getting right to it, let\u2019s find out more about loans against mutual funds in general.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-loan-against-mutual-funds\"><span class=\"ez-toc-section\" id=\"What-is-a-Loan-Against-Mutual-Funds\"><\/span>What is a Loan Against Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Similar to how you can take a loan against any collateral (<a href=\"https:\/\/www.tickertape.in\/blog\/the-golden-behaviour-during-crisis\/\">gold<\/a>, house, etc.) , you can also take a loan against your Mutual funds (MFs) as collateral at a very competitive <a href=\"https:\/\/www.tickertape.in\/blog\/flat-interest-rate-vs-reducing-balance-interest-rate\/\">interest rate<\/a> \u2013 at Tickertape, this interest rate starts from 9.99% per annum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-is-better--breaking-investments-or-taking-a-loan-against-investments\"><span class=\"ez-toc-section\" id=\"Which-is-Better-%E2%80%93-Breaking-Investments-or-Taking-a-Loan-Against-Investments\"><\/span>Which is Better \u2013 Breaking Investments or Taking a Loan Against Investments?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>By breaking your investments, you are stopping compounding from doing its magic. It\u2019s better to not hamper your long-term wealth journey for an immediate financial need. You can take advantage of your investments as collateral and take a loan against them while continuing to reap the benefits of your investments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-can-take-loan-against-mutual-funds\"><span class=\"ez-toc-section\" id=\"Who-can-Take-Loan-Against-Mutual-Funds\"><\/span>Who can Take Loan Against Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Any user who has mutual fund holdings can take a loan against their Mutual funds. There are no minimum credit scores or other income requirements to be eligible for this loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"check-your-credit-limit-now\"><span class=\"ez-toc-section\" id=\"Check-your-credit-limit-now\"><\/span>Check your credit limit now<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/loan-against-mutual-funds\">Check limit<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-the-mutual-fund-credit-limit\"><span class=\"ez-toc-section\" id=\"What-is-the-Mutual-Fund-Credit-Limit\"><\/span>What is the Mutual Fund Credit Limit?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mutual Fund (MF) credit limit is a loan that you can take against your MF investments as collateral. It\u2019s calculated as a % of your investments based on the credit policy of the lender.&nbsp;<\/p>\n\n\n\n<p>For example, an investment of Rs. 1,00,000 in a NIFTY <a href=\"https:\/\/www.tickertape.in\/blog\/stock-market-index\/\">Index<\/a> Fund can give you an MF credit limit of approximately Rs. 45,000-Rs. 50,000. An investment of Rs. 1,00,000 in a Liquid Fund will give you an MF credit limit of Rs. 75,000-Rs. 80,000. Debt MFs give you a higher credit limit because they are generally less volatile than <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-equity\/\">equity<\/a>.&nbsp;<\/p>\n\n\n\n<p>The minimum credit limit required to take a loan is decided by the lender, and currently, it\u2019s defined at Rs. 25,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-can-you-use-a-loan-against-mutual-funds-for\"><span class=\"ez-toc-section\" id=\"What-Can-You-Use-a-Loan-Against-Mutual-Funds-For\"><\/span>What Can You Use a Loan Against Mutual Funds For?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can take a LAMF for a variety of reasons. Some of the use cases include :<\/p>\n\n\n\n<ul>\n<li>Lower interest rates than most loans<\/li>\n\n\n\n<li>Downpayment for high-ticket loans like house loans, car loans, etc.<\/li>\n\n\n\n<li>High-ticket expenses like wedding expenses, medical expenses, etc.&nbsp;<\/li>\n\n\n\n<li>Refinancing an existing loan courtesy of the lower interest rates offered by this loan<\/li>\n\n\n\n<li>A credit line that allows users to withdraw funds anytime and pay interest only on withdrawn funds<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-is-loan-against-mutual-funds-different-from-personal-loan\"><span class=\"ez-toc-section\" id=\"How-is-a-Loan-Against-Mutual-Funds-Different-from-a-Personal-Loan\"><\/span>How is a Loan Against Mutual Funds Different from a Personal Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key differences between Digital Loan Against Mutual Funds &amp; Personal lien marking loans are based on the following two parameters \u2013&nbsp;&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Lower interest rates:&nbsp;<\/strong>LAMF generally offers a more competitive interest rate than <a href=\"https:\/\/www.tickertape.in\/blog\/alternatives-to-personal-loans\/\">Personal Loans<\/a><\/li>\n\n\n\n<li><strong>Only interest payment every month<\/strong>: In Personal loans, you have to pay a part of the principal amount and interest every month in the form of an EMI.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>In the case of Loans Against Mutual Funds, you pay only the interest every month, with the freedom of paying the principal amount anytime you want at no extra cost.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-the-criteria-for-eligibility-for-loan-against-mutual-funds-at-smallcase\"><span class=\"ez-toc-section\" id=\"What-is-the-Criteria-for-Eligibility-for-Loan-Against-Mutual-Funds-at-Tickertape\"><\/span>What is the Criteria for Eligibility for Loan Against Mutual Funds at Tickertape?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unlocking a mutual fund loan with Tickertape is easy. Whether self-employed or salaried, residents of India aged 18-70 can apply for loans up to Rs. 5 CR. against approved Mutual Funds held with CAMS &amp; KFintech.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-documents-required-to-take-a-lamf-at-smallcase\"><span class=\"ez-toc-section\" id=\"What-are-the-Documents-Required-to-Take-a-LAMF-at-Tickertape\"><\/span>What are the Documents Required to Take a LAMF at Tickertape?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mutual fund documentation varies among banks, with key documents like identity, address, and ownership confirmation.&nbsp;<\/p>\n\n\n\n<p>Opting for a loan against MF on Tickertape?&nbsp;<\/p>\n\n\n\n<p>Enjoy a hassle-free process with no detailed document requirements\u2014get funds with zero formalities!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply-for-a-loan-against-mutual-funds\"><span class=\"ez-toc-section\" id=\"How-to-apply-for-a-Loan-Against-Mutual-Funds\"><\/span>How to apply for a Loan Against Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can get an LAMF through a completely&nbsp;<a href=\"https:\/\/www.smallcase.com\/loan-against-mutual-funds\/\" target=\"_blank\" rel=\"noopener\">paperless &amp; digital process<\/a>&nbsp;that can be completed in 5 minutes on the Tickertape app.<\/p>\n\n\n\n<p>Here are the steps to follow \u2013<\/p>\n\n\n\n<ol>\n<li>Log in to the Tickertape app<\/li>\n\n\n\n<li>Go to the &#8220;Credit&#8221; tab<\/li>\n\n\n\n<li>Calculate your Credit Limit <\/li>\n\n\n\n<li>Confirm Amount<\/li>\n\n\n\n<li>Link your Bank account to receive funds in<\/li>\n\n\n\n<li>Import your MF Holdings &amp; pledge the holdings depending on the loan amount<\/li>\n\n\n\n<li>Sign the loan agreement<\/li>\n\n\n\n<li>Get cash in your bank account within 2 working hours<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"apply-for-a-loan-today\"><span class=\"ez-toc-section\" id=\"Apply-for-a-loan-today\"><\/span>Apply for a loan today<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/loan-against-mutual-funds\">Get started<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-can-you-close-the-loan\"><span class=\"ez-toc-section\" id=\"How-Can-You-Close-the-Loan\"><\/span>How Can You Close the Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can close the loan anytime at no extra charges after paying back the principal and any interest that may be due for that month.&nbsp;<\/p>\n\n\n\n<p>After paying back the principal &amp; any interest due, you have the option to retain the MF credit limit and withdraw funds again whenever you need them. You will pay interest only when you withdraw the funds; otherwise, you will continue to pay ZERO interest.<\/p>\n\n\n\n<p>If you want, after loan closure, you can also get the collateralised MFs unpledged, which will allow you to redeem\/sell these MF investments as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-more-can-i-do-with-mutual-funds-on-the-smallcase-platform\"><span class=\"ez-toc-section\" id=\"What-more-can-I-do-with-Mutual-Funds-on-the-Tickertape-Platform\"><\/span>What more can I do with Mutual Funds on the Tickertape Platform?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Along with taking a loan against Mutual Funds, you can now also start tracking your portfolio including all your external Mutual Funds, stock &amp; <a href=\"https:\/\/www.tickertape.in\/blog\/exchange-traded-funds\/\">ETF<\/a> holdings with Digital Gold. Additionally, you can dive deeper into your investments with Tickertape analysis tools. <\/p>\n\n\n\n<p>To know more about Loan Against Mutual Funds on Tickertape, please refer to the FAQs below or a more detailed list of questions here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. How much loan can I get?<\/strong><\/p>\n\n\n\n<p>You can avail a loan against mutual funds from Rs. 25,000 to Rs. 5 crore.<\/p>\n\n\n\n<p><strong>2. What will be the interest rate?<\/strong><\/p>\n\n\n\n<p>The interest rate starts from 9.99% p.a. is applicable on the outstanding principal. No interest rate is charged for the repaid principal amount.<\/p>\n\n\n\n<p><strong>3. What are the minimum and maximum required ages<\/strong> for availing a loan against a<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">\u00a0<\/span><strong>mutual fund?<\/strong><\/p>\n\n\n\n<p>To avail LAMF, an individual should be between 18 and 65 years of age.<\/p>\n\n\n\n<p><strong>4. Where can I find the approved list of mutual funds that I can avail LAMF against?<\/strong><\/p>\n\n\n\n<p>Easily obtain a loan against your mutual funds online. You can explore mutual fund schemes on the Tickertape app for a convenient overview.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At Tickertape, we have always been committed to building a simple investment analysis experience for all retail investors. Now, we are launching a new offering to help you\u00a0do more with your investments with a loan against mutual funds! Introducing Loan Against Mutual Funds on Tickertape! &nbsp;Before getting right to it, let\u2019s find out more about<\/p>\n","protected":false},"author":137,"featured_media":15581,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1],"tags":[],"acf":[],"modified_by":"Ayushi Gangwar","jetpack_featured_media_url":"https:\/\/www.tickertape.in\/blog\/wp-content\/uploads\/2025\/02\/LAMF_Blog-Introductory-1.png?wsr","_links":{"self":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/15586"}],"collection":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/users\/137"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/comments?post=15586"}],"version-history":[{"count":10,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/15586\/revisions"}],"predecessor-version":[{"id":17690,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/15586\/revisions\/17690"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media\/15581"}],"wp:attachment":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media?parent=15586"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/categories?post=15586"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/tags?post=15586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}