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Secure a Loan against Your Shares and Mutual Funds in Under 4 Hours, while You Retain Your Investments!

Disclaimer: Securities should not be in a lock-in period. We do not provide personal loans.

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Our Legacy in Numbers

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Rupees

Low EMI

We offer a low EMI on your loan against securities. EMI starting from Rs. 1,333 per month for Rs. 1,00,000 loan.

Approval

Instant Approval

Get instant approval on your loan against securities, disbursed within 4 hours. If we delay, we’ll return 50% of your processing fee!

No fee

No Pre-payment Charges

You have the freedom to pay at will as we have no prepayment charges on your loan.

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Flexible Amounts

Get quick capital against your securities starting from Rs. 15,000 to Rs. 1,00,00,000

Rupee in hand

Retain Fund Growth

Pledging your investments ensures that your savings grow, and your wealth plan remains intact even while you borrow.

Rupee Transfer

Direct Bank Deposit

Apply and get funds directly to any of your bank account from the comfort of your home.

How to Apply for loan

Get a loan on your shares and mutual funds with a paperless process
Login

Step 01 ››

Visit Abhiloans.com and log in using your Aadhar-enabled mobile number.

KYC Checked

Step 02 ››

Upload your KYC documents or fill them in afresh to begin the lending process.

Rupees in hand

Step 03 ››

Secure a loan against mutual funds or shares by marking a lien, starting at just Rs 15,000.

Rupees

Step 04

Sit back and relax! Your loan will be disbursed into your account within 4 hours.

Step 01 ››

Login
Visit Abhiloans.com and sign in using your mobile number that is mapped to the Aadhar card

Step 02 ››

Upload KYC
Either Upload the KYC documents or fill a fresh form to start the lending process.

Step 03 ››

Get a Loan
Mark a lien starting as low as Rs. 15,000 to avail a loan against mutual funds or shares.

Step 04

Quick Disbursement
Now wait and relax as your loan is disbursed into the account within 4 hours.

Meet your financial need

Meet your financial necessity without selling your securities

Safeguard your investment by opting for quick capital against securities. Your units will remain yours, and you’ll keep on earning from them during your tenure for an instant loan for low credit score. So you can get the funds you need for capital or emergencies without having to redeem your securities.

Key Features

Eligibility

Documentation

You may use from the following documents : 
PAN Card, Address Proof (Aadhaar / Driving License /
Passport / Voters Id)

Apply and get funds directly to any of your bank account from the comfort of your home.

Apply now to receive funds directly to any of your bank accounts from the comfort of your home.

  • Quick Disbursement: Procure your loan on mutual funds within 4 hours else we return 50% of the processing fee.
  • Flexible Loan Amount: Get flexible loan against shares and mutual funds with astonishing interest amount ranging from Rs. 15,000 to Rs. 1,00,00,000.
  • High Loan-to-Value: Enjoy loan against shares of up to 75% of mutual fund unit value.
  • Low EMI: Enjoy the benefits of very low EMI of only Rs. 1,333 for a Rs. 1, 00,000 loan amount.
  • Interest Payment: Pay interest only on loan against equity shares.
  • Bad Credit Loans: Avail an urgent loan even if one has a bad credit in India.
  • Having even one mutual fund unit is adequate to borrow a loan.
  • Mutual fund units in CAMS, KFintech & in DEMAT can be used to avail a loan.
  • Use KYC documents or Digilocker.
  • Show PAN Card, Address Proof (Aadhaar / Driving License / Passport / Voters ID).

Loan Details & Charges

Our aim is to cater to your financial needs with utmost transparency with no hidden charges.

Maximum Loan Amount

Loan Against Equity Mutual Funds

Rs. 1,00,00,000

(65% LTV)

Loan Against Debt Mutual Funds

Rs. 1,00,00,000

(75% LTV)

Rupees

Minimum Loan Amount

₹15,000

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Loan Tenure

12 months

Renewable

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Fixed Processing Fees

2% (of loan amount) or Rs.1,000 (whichever is higher) + GST

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Promise To Disburse Loan in 4 hours

(if not, we’ll return 50% of your processing fee!)

Penal Interest Rate
2.00% P.M. for the default period
Minimum Withdrawal Amount
₹1,000 However, there is no limit on the number of withdrawals.

Interest Rate
Starting at 0.67%/month – Interest will be due on 1st of every month and the same will be debited on 5th of every month from your Bank Account via NACH mandate.

Annual Renewal Charges
Rs. 999+GST
Bounce Charges
Rs. 500+GST
Collection Charges
Rs. 5,000 (in case of default)
Interest Rate Per Annum
Starting 8% Per Annum Flat
Legal Charges
Rs. 5,000 (in case of default)
Stamp Duty Charges
NIL
Top Up/Security withdrawal Charges
NIL
Foreclosure Charges
NIL
Security Invocation Charges
NIL

NOTE: Loan against shares is only possible on business days from 7 a.m. - 7 p.m. Currently the Loan against Mutual Funds in DEMAT form is available on business days from 7 a.m. - 7 p.m.

Currently the Loan against Mutual Funds in DEMAT form is available on business days from 7 a.m. - 7 p.m.

FAQ

Most frequent questions and answers

A loan against mutual funds allows you to use your mutual fund units as collateral to secure a loan. This means you can access funds quickly without selling your investments.

To offer a quick source of cash during emergencies without requiring a credit check, allowing one to meet immediate financial needs without selling the mutual fund holdings are the main purposes of loan against mutual funds.

  • Quick processing, often within 4 hours
  • High loan-to-value (LTV) ratio, up to 75% for debt mutual funds
  • Accessible to individuals with low credit scores
  • Zero prepayment charges, enabling one to repay the loan at one’s convenience

The loan amount depends on the value of mutual fund holdings, providing a solution to meet the investment and personal financial needs without selling one’s securities.

Our Partners

get the loan within 4 hours*

Get Money When You Need it
with Abhiloans

Our loans against shares and mutual funds, include a minimum repayment period of zero months, as you can pay when you want with NIL prepayment charges, and a maximum repayment period of 1 year, which is renewable.

Get loan against your Shares and Mutual funds in just 4 Hours

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