📈 Secured Loan

Loan Against Mutual Funds & Shares | Sova Finserv

Get instant liquidity against your mutual fund units and shares without redeeming your investments. Stay invested and get the funds you need at competitive interest rates.

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Low
Interest Rate
Quick
Disbursal
No
Redemption Needed
Loan Against Mutual Funds Sova Finserv
Features & Benefits

Loan Against Mutual Funds & Shares

A loan against mutual funds and shares allows you to use your investment portfolio as collateral to get quick funds. You do not need to sell or redeem your investments - they continue to earn returns while you use the loan amount for your needs.

Low
Interest Rate p.a.
Quick
Online Processing
No Exit
Investments Stay Intact
📈

Stay Invested

No need to redeem your mutual funds or sell your shares. Your investments continue to grow while you use the loan.

💰

Low Interest Rate

Interest rate on loan against mutual funds is typically much lower than a personal loan or credit card.

⚡

Quick Disbursal

Minimal documentation and quick processing. Funds disbursed to your account in the shortest possible time.

🔄

Overdraft Facility

Get an overdraft limit against your portfolio. Pay interest only on the amount you actually use.

📋

Minimal Documentation

Basic KYC and demat account details are all that is required. Simple and hassle-free application.

🔓

Flexible Repayment

Flexible repayment options to suit your financial situation. No prepayment penalty charges.

Eligibility & Documents

Eligibility for Loan Against Mutual Funds & Shares

  • Must be an Indian resident citizen
  • Age between 18 to 70 years
  • Must hold mutual fund units or shares in a demat account
  • Mutual funds must be in approved fund list (equity, debt, or hybrid)
  • Shares must be listed on recognised stock exchanges (BSE or NSE)
  • Minimum portfolio value required — contact us for current threshold

📄 Documents Required

  • KYC documents — Aadhaar Card, PAN Card, Passport or Voter ID
  • Demat account statement showing holdings
  • Mutual fund account statement (CAS — Consolidated Account Statement)
  • Bank account details for disbursal
  • Passport-sized photographs
How It Works

How to Get a Loan Against Mutual Funds & Shares

  • Contact Sova Finserv or fill the Quick Apply form on this page.
  • Our advisor will review your mutual fund or share portfolio to determine loan eligibility.
  • Loan amount is decided based on the value of your pledged portfolio.
  • Submit basic KYC documents and demat/mutual fund account statement.
  • Your mutual fund units or shares are pledged as collateral but remain in your account.
  • Loan amount is disbursed to your bank account after approval.
  • Repay the loan at your convenience. Your pledge is released after full repayment.
FAQ

Frequently Asked Questions

Do I need to sell my mutual funds to get this loan?+
No. Your mutual fund units and shares are pledged as collateral but are not sold or redeemed. They remain in your demat account and continue to earn returns while your loan is active.
What types of mutual funds are accepted as collateral?+
Equity mutual funds, debt mutual funds, and hybrid funds from approved fund houses are accepted. Contact our advisor for the complete approved fund list.
What is the interest rate for a loan against mutual funds?+
The interest rate is typically much lower than a personal loan or credit card rate. The exact rate depends on the type and value of your portfolio. Contact us for the current applicable rate.
What happens if the value of my portfolio falls?+
If the market value of your pledged portfolio falls significantly, you may receive a margin call — meaning you will need to either add more collateral or repay a portion of the loan to maintain the required margin.
Can I get a loan against shares listed on the stock exchange?+
Yes. Sova Finserv accepts shares listed on recognised stock exchanges (BSE and NSE) as collateral for the loan. The loan amount depends on the approved list and current market value of the shares.
Is there a prepayment penalty on this loan?+
No. You can repay the loan early without any prepayment penalty or additional charges. Your pledged portfolio is released from lien immediately after full repayment.

🚀 Quick Apply — Loan Against MF & Shares

I authorize Sova Finserv representatives to call/SMS me. This consent overrides my DNC/NDNC registration. T&C Apply.

🧮 EMI Calculator

₹1L₹1 Cr
7%18%
1m36m
₹43,961
Monthly EMI
₹5.28L
Total Payable
₹0.28L
Total Interest
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