Your investments keep growing, untouched
No redemption means no interruption to your compounding, your SIP goals, or your long-term asset allocation.
Your Data is 100% Secure
Borrow against your mutual funds. Keep every unit invested.
Unlock cash from your existing mutual fund portfolio without redeeming a single unit. Your investments stay invested, still earning, while you get funds in your account — often within hours.
- No redemption needed
- Pay interest only on what you use
- 100% digital, paperless
Cash flow today, without selling the investments you built for tomorrow.
Hours- of your mutual fund value, as your credit limit*
Up to 80%- not days — typical time to disbursal once approved
A Loan on Mutual Funds lets you borrow money by pledging your existing mutual fund units as collateral — instead of redeeming them. Your units stay in your name, keep earning market returns, and simply carry a lien until the loan is repaid. It works like an overdraft: Infiney sanctions a credit limit based on the value of your pledged units, and you draw only what you need, when you need it. Interest is charged only on the amount you actually use — not on the full sanctioned limit. It's built for moments when you need funds quickly but don't want to break a long-term investment, trigger capital gains tax by selling, or lose out on future upside in your portfolio.
The process
Four steps, done entirely from the app.
Step 1
Link your mutual fund holdings
Connect your mutual fund portfolio (CAS/CAMS/KFintech) inside the Infiney app to see your eligible value instantly.
Step 1 of 4: Link your mutual fund holdings
Benefits
Why borrow against your funds instead of breaking them.
Reusable, revolving limit
Repay and withdraw again anytime within your tenure — one sanction can serve multiple cash needs.
Pay for what you use
Like an overdraft, interest is charged only on the amount withdrawn and for the days it's outstanding — not on the full limit.
Avoid capital gains tax
Since you're not redeeming units, you don't trigger a taxable capital gains event the way you would by selling.
Lower rates than unsecured loans
Because your mutual funds act as collateral, rates are typically more favourable than personal loans or credit cards.