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Loan against Mutual Funds
Equity and debt fund units pledged through the registrar, with lien marked in your name.
- Equity & debt schemes
- Overdraft or term-loan structures
- Interest only on what you use (overdraft)
Collateral-backed · Multi-lender
Liquidity for your goals. Without selling your investments.
Pledge mutual funds, shares or bonds, compare offers from multiple regulated lenders, and get funds digitally — while your portfolio keeps growing.
100% digitalKYC, pledge & e-sign
Multi-lenderone application
Securities stay yourslien-marked, not sold
Products
One platform, every kind of collateral
Choose what you pledge. You continue to own the securities and benefit from market upside and dividends where applicable.
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Loan against Shares
Pledge approved listed equities held in demat and borrow against their market value.
- Approved-securities list
- Depository-based pledge
- Margin monitored on market moves
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Loan against Bonds
Use bonds and other debt instruments to access funds at lower collateral haircuts.
- Higher indicative LTV
- Stable collateral profile
- Flexible repayment options
Multi-lender comparison
Compare offers side by side
One pledge, several lenders. See rate, limit and structure together, then pick what suits you.
| Lender | Structure | Indicative rate | Collateral | Best for |
|---|---|---|---|---|
| ABC Finance Lowest rate | Overdraft / Term loan | from 10.5% p.a. | Mutual funds, shares, bonds | Flexible, pay-as-you-use credit |
| FPI Investments | Overdraft / Term loan | from 11.0% p.a. | Mutual funds, shares | Larger limits & structured EMIs |
Rates and limits are indicative, subject to lender policy, collateral quality and credit assessment. Lender panel may change.
Eligibility checker
See your limit in 30 seconds
Enter a rough portfolio value to get an indicative limit. We verify your actual holdings securely with the depositories before any offer is final. Checking eligibility doesn’t affect your credit score.
How it works
From portfolio to funds in five steps
Check eligibility
Verify holdings and see indicative limits.
Compare & choose
Pick a lender, structure and amount.
Pledge securities
Mark lien via your registrar or depository with OTP.
Digital KYC
Aadhaar-based verification and bank validation.
Mandate & e-sign
Set up e-mandate, sign online, receive funds.
Why Yanmora
Built for borrowers who plan ahead
Keep your investmentsSecurities remain yours; only a lien is marked and released on repayment.
Choice, not lock-inMultiple lenders compete for the same collateral.
Transparent pricingRates, fees and charges shown upfront in your key fact statement.
Pay for what you useOverdraft structures charge interest only on the drawn amount.
Secure by designDepository-grade pledge flows, OTP consent and encrypted data.
Live margin alertsGet notified on valuation changes so you can top up or repay in time.
Ecosystem
Integrated with the rails that matter
Trusted depository, registrar, payment and identity infrastructure powers every step.
Depositories & registrars
NSDLCDSLMF CentralPayments & mandates
RazorpayCashfreeIdentity & verification
DecentroAuthBridgeDigital KYCLending partners
ABC FinanceFPI InvestmentsFAQs
Questions, answered
What is a loan against securities?
A secured loan where you pledge investments such as mutual funds, shares or bonds as collateral. You keep ownership while a lien is marked in favour of the lender.
How much can I borrow?
The limit depends on the type and quality of collateral and lender policy. Equity collateral typically supports a lower percentage than debt instruments. Use the eligibility checker for an indicative figure.
Do I lose my dividends or returns?
No. You continue to own the securities. Corporate benefits and returns remain with you, subject to the pledge terms.
What happens if my portfolio value falls?
If the collateral value drops below the required cover, you may be asked to add securities or part-repay. We alert you early so you can act.
Are there prepayment charges?
Charges, if any, depend on the lender and product and are shown in your key fact statement before you sign.
How long does disbursal take?
The process is fully digital. Timelines depend on pledge confirmation and verification completing; most steps are done online in a single session.