Loan against mutual funds, made easy
Borrow at 9.89% interest without selling your investments. No hidden charges, no foreclosure fees - your funds keep growing while you borrow.
Free eligibility check · No credit score impact · Takes 5 minutes
- Backed by Y Combinator
- RBI-registered lending partners
- Rated 4.2+ by 332 users
The Good Partnerships
No hidden fees. No surprises.
Everything about your loan is designed to be fair - that's what makes it good.
Interest from 9.89%
Among the lowest rates in India. Pay interest only on what you use, not your full limit.
Interest-only EMIs
Your monthly payment is just the interest. Repay the principal whenever it suits you.
Stay invested
Your mutual funds stay yours and keep earning returns while they back your loan.
Flexible credit line
Repay anytime with zero foreclosure charges. Withdraw again in two clicks.
How much can you unlock?
Estimate your credit limit and monthly interest before you apply.
Your estimated credit limit
₹5,00,000
Monthly interest on what you use
₹2,060
Estimates assume equity funds at 50% loan-to-value and 9.89% p.a. Debt funds can unlock up to 90%. Final limit depends on your portfolio.
Unlock my limitFrom application to money in 5 minutes
Completely digital. No branch visits, no paperwork couriers.
Verify with OTP
Enter your mobile number and PAN. We fetch your mutual fund portfolio digitally in seconds.
Pledge your funds
Choose which funds to pledge. They stay invested in your name - only lien-marked, never sold.
Set up repayment
Complete KYC and set up auto-pay for interest-only EMIs.
Withdraw instantly
Your credit line is live. Move money to your bank account whenever you need it.
Better than selling. Cheaper than borrowing.
See how a loan against mutual funds compares to the alternatives.
| Loan against mutual fundswith Yenmo | Personal loan | Selling your funds | |
|---|---|---|---|
| Interest rate | From 9.89% p.a. | 14 to 24% p.a. | Not applicable |
| Your investments | Keep growing | Untouched | Gone, gains taxed |
| Monthly outflow | Interest only on usage | Full EMI from day 1 | Not applicable |
| Foreclosure charges | Zero | Up to 5% | Not applicable |
| Time to money | ~5 minutes | 1 to 7 days | 2 to 3 working days |
| Credit score needed | Not required | 700+ | Not applicable |
Personal loan figures are indicative market ranges for unsecured loans in India.
Trusted by people who did the math
Yenmo's fast processing and flexible, interest-only payments helped me escape burdensome loans.
Fastest app that can get you a loan against your mutual funds.
Last year I had to sell my Zomato shares for ₹1.5L - they're worth ₹7.5L now. Yenmo would have saved me that.
Frequently asked questions
Everything about eligibility, pledging, rates and repayment.
Your investments can do more. Starting today.
Check your eligible limit in 5 minutes. Free, digital, and your credit score stays untouched.
Loans from ₹25,000 to ₹5 crore · Interest from 9.89% p.a.