What it is
You pledge your funds. You don’t sell them.
Your units are marked as security. You still own them, they still move with the market, and payouts are still yours.
Borrow against what you built, without breaking it.
Loan against mutual funds
Borrow against your funds, without selling them.
Your fund units are pledged as security instead of being sold. Your money stays invested, and you pay interest only on what you actually use.
Lending partner: Volt Money · Sanction, limit and rate are the lender’s decision
Key ideas
How it works, and when not to use it.
Why it exists
Selling is usually the worse choice.
Selling to raise cash means paying tax, stopping your growth, and buying back later at whatever the price is then.
Your funds stay invested
You pledge the units — you don’t sell them. Your portfolio keeps working.
No capital gains tax
A pledge is not a sale, so the borrowing itself triggers no tax.
Interest only on what you use
It works like an overdraft. Use ₹2 lakh from a ₹10 lakh limit and pay interest on ₹2 lakh.
Fast and fully online
The pledge is recorded electronically. Approval is usually the same day.
Use it for anything
Not tied to a purpose — a medical bill, a business gap, a deposit.
Cheaper than unsecured loans
It is secured, so it usually costs well below a personal loan or credit card.
How it works
From pledge to money in your account.
- 1
We check what qualifies
Not every scheme qualifies. We tell you your realistic limit before you apply.
- 2
Units are pledged
The registrar records the pledge. You still own the units and get any payouts.
- 3
Your limit is set
A share of today’s value — usually higher for debt funds than equity.
- 4
Use what you need
Interest is charged daily, only on what you have used.
- 5
Repay and release
Repay and the pledge is lifted. Your units were never sold.
VM
Volt MoneyLending partner · units pledged, not sold
The loan is made by the lender; we arrange it and stay involved. Terms, interest and the limit are theirs to set.
Borrowing against investments carries risk. A fall in market value can mean adding security or repaying part of the loan. This suits a short-term, repayable need — not a way to fund more investing.
SIR Financial Services app
Your loan against funds, in your pocket.
See your limit, what you have drawn and the funds pledged against it — and how much room the market has left before the lender asks for a top-up.
- Limit, amount used and interest on one screen
- Pledged funds and their value, updated daily
- An early warning if a fall eats into the margin
Rated 4.9 ★ by 81 people on Google Play · 1,000+ installs
Or scan the code for your phone
Questions
The things people actually ask.
What happens if the market falls?
The value of your pledged funds falls too. If it drops below the lender’s limit, you will be asked to add more funds or repay part of the loan. We won’t let you take the maximum limit without understanding this.
Do I still get growth and dividends?
Yes. You remain the owner of the units. The pledge only stops you from selling them while the loan runs.
Is this available against every fund?
No. Each lender has an approved list, and limits differ for equity and debt funds. We check yours first.
How is it different from a personal loan?
It is secured, so the rate is much lower, and you pay interest only on what you use — not on a full amount from day one.
Start with a free 30-minute call.
No fee and no obligation. We look at what you have and tell you plainly what we would change.
We never hold your money. Payments go straight to the fund house.
Borrowing against investments carries risk. We arrange this facility as a distributor; sanction, limit and rate are the lender’s decision. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.