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Loan Against Mutual Funds Calculator

Calculate Your Eligible Amount

Want to know how much you can borrow without selling your mutual funds? Enter your mutual fund scheme names and the number of units you hold. Instantly view NAVs, applicable loan-to-value (LTV) ratios, eligible loan amount per scheme, total loan amount, and estimated monthly interest. Use this calculator to compare your options before applying for a Loan Against Mutual Funds.

Learn More About Loan Against Mutual Funds

Calculate Monthly Interest on Loan Against Mutual Funds

Loan Against Mutual Fund Calculator

SCRIPT NAME Mutual Funds (0)	NO. OF UNITS	NAV	TOTAL VALUE	LTV% Loan-to-Value represents the proportion of an asset's value that a lender is willing to provide debt financing against.	ELIGIBLE AMOUNT	ACTION
SCRIPT NAME	NO. OF UNITS	NAV	TOTAL VALUE	LTV%	ELIGIBLE AMOUNT

Loan Stats

Total Limit Total Limit = Total value of mutual funds x LTV% ₹ 0	Interest Rate Interest charged only on utilized amount & for the duration utilized 10.25% p.a	Monthly Interest The amount is calculated assuming 100% utilization for 12 months. Actual monthly interest will change depending on utilization. ₹ 0

Disclaimers:

- Mutual fund schemes visible in the dropdown are approved list against which LAMF can be availed. LAMF cannot be availed against schemes not visible in the dropdown list.

- If a user wants to pledge both equity & debt mutual funds, 2 different loan accounts will have to be created, one for each.

- If user wants to pledge funds with both RTAs (CAMs & KFintech), user will have to create a primary account with any one RTA & apply for top-up with second RTA.

APPLY VIA WEB

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principal amount

10.25% p.a

Annual interest amount

What Is Loan Against Mutual Funds Calculator?

Loan Against Mutual Funds Calculator is a free online tool that helps you estimate how much loan you can get by pledging your mutual fund investments, without having to redeem them. It calculates the current value of your mutual funds, applies the Loan-to-Value (LTV) ratio, and shows your eligible loan amount & monthly interest.

Whether you're looking to fund an emergency, a short-term goal, or just want liquidity without disturbing your investment portfolio, this calculator helps you understand your options in seconds.

How to Use the Loan Against Mutual Funds Calculator?

Using the calculator is simple. You’ll just need a few details about your mutual fund holdings:

Mutual Fund Name

Type the name of your mutual fund scheme: equity, debt, or hybrid. The calculator fetches the latest NAV (Net Asset Value).

Number of Units

Enter the number of units you hold in that fund nor the number of units you are planning to pledge.

Once you enter your mutual fund scheme name(s) and number of units, the calculator instantly gives you a clear picture of your borrowing potential:

NAV (Net Asset Value)

This is the previous working day’s per-unit closing price of your mutual fund. We ensure your loan estimate is as accurate as possible. NAVs are updated daily by AMCs.

LTV % (Loan-to-Value Ratio)

The LTV is the percentage of your mutual fund’s value that you can get as a loan.

Equity funds have an LTV of up to 45%
Debt funds have an LTV of 80%

The calculator automatically uses the applicable LTV based on the type of mutual fund you enter.

Total Loan Amount

The total eligible loan calculated by summing up the loan amounts from each mutual fund scheme you’ve added.

Total Value per scheme = NAV × Units

This is the current market value of your mutual fund holdings. For example, if the NAV is ₹50 and you hold 1,000 units, your total value is ₹50,000.

Eligible Amount per scheme

Based on the total value and LTV, the calculator shows how much loan you can get against your mutual fund schemes.

Continuing the above example:

₹50,000 total value × 45% LTV = ₹22,500 eligible loan amount

Monthly Interest

Interest is charged only on the amount used, and for the number days it is utilised at the rate of 10.25% p.a.

How Loan Amount changes with Investments?

The higher the value of your pledged investments, the higher your loan amount. It depends on:

Here’s a simple Example:

Scheme Type	NAV	Units	Total Value	LTV	Eligible Loan
Equity Fund	₹50	1,000	₹50,000	45%	₹22,500
Debt Fund	₹25	2,000	₹50,000	80%	₹40,000
Monthly Interest @10.25% p.a.: ₹547				Total Eligible Loan:	₹62,500

Enjoy the flexibility to withdraw as needed, with interest applicable only on the utilised amount.

Note: During the loan tenure, the pledged mutual funds are revalued daily based on the latest available Net Asset Value (NAV). If the market value of the mutual funds falls, your eligible loan limit will be adjusted accordingly.

Why Use an Online Loan Against Mutual Funds Calculator?

Instant Estimates

Know how much loan you can get instantly, without paperwork or manual checks.

Smart Financial Planning

Helps you decide whether to go for Loan Against Mutual Funds or redeem your funds based on actual numbers.

No Impact on Investments

You get to know your exact loan amount without pledging your funds.

Transparent & Easy

Understand LTV, NAV-based value, and interest in one simple interface.

Free, No Signup Needed

Use the calculator as many times as you want. No logins, no charges.

Compare lenders

Evaluate the loan amount and applicable interest from different lenders before making a decision.

FAQs About Loan Against Mutual Funds Calculator

The calculator uses the previous working day’s closing price for computation.

No, the calculator gives you an estimate. The actual amount depends on your credit profile, lender policies, and the final NAV on the date of lien marking.

Yes, you can add multiple mutual fund schemes. The calculator will show individual values and then combine them to show your total eligible loan amount and monthly interest.

Your interest is calculated daily based on the amount you’ve used and billed at month-end. It will be auto-debited from your registered bank account on the 3rd of the next month.

Not at all. It’s just an estimation tool, no personal details or credit checks involved.

No. This calculator is completely free to use and doesn’t require any login or personal information.