Unlock cash without selling your investments
A loan against your mutual fund portfolio — meet short-term needs while your investments stay invested.
Your portfolio can work twice
A Loan Against Mutual Funds lets you pledge your units as collateral and draw a credit line against them. You keep ownership of your investments and their potential to grow, while accessing cash when you need it.
What you can expect
Stay invested
Your units remain yours and keep working toward your goals.
Lower cost
Secured against your portfolio, it typically costs less than unsecured borrowing.
Pay for what you use
Interest applies only to the amount you actually draw.
Quick, digital process
Pledge eligible holdings and set up a credit line with minimal paperwork.
Flexible access
Draw funds as needs arise and repay at your own pace, within terms.
Backed by the platform
Set up through the SEBI-registered Wealthy platform.
How it works
We review which of your mutual fund units qualify as collateral.
Your units are pledged securely, and you retain ownership.
A credit line is set against the value of the pledged units.
Access cash when required, paying interest only on what you use.
When it makes sense
Planned or short-term needs where selling investments would set your goals back.
Bridging a temporary cash gap without breaking a long-term plan.
Avoiding redemptions during a market dip.
Anyone who wants a guided, transparent setup.
Common questions
Which funds are eligible?
Most mainstream mutual fund units qualify, subject to the platform's approved list. We help you check yours.
What if the market falls?
Because the loan is secured against market-linked units, a fall in value may require you to top up collateral or partly repay. We explain these terms clearly before you begin.
Need cash without breaking your plan?
Book a free call to see what your portfolio can unlock.
Book a free call →A loan against mutual funds is a secured borrowing. Pledged units remain subject to market risk, and a fall in their value may require additional collateral or repayment. Please read all loan terms and scheme documents carefully.