Get an Instant Loan Against Mutual Funds with Rana Investment

Don’t break your dreams for your needs. Leverage your NJ Wealth E-Wealth account to get a quick credit line against your mutual fund portfolio at attractive interest rates.

Why Choose a Loan Against Mutual Funds (LAMF)?

Many investors face a dilemma during financial emergencies: “Should I redeem my mutual funds?” At Rana Investment, we recommend a smarter alternative. By pledging your units, you get the cash you need while your money stays invested.

Key Benefits for Our Clients:

  • Keep Your Investments Growing: Your mutual fund units continue to earn returns and benefit from compounding even while they are pledged as collateral.
  • Lower Interest Rates: Unlike high-interest personal loans or credit card debt, LAMF is a secured loan, meaning you enjoy much lower interest rates (typically 10.5% – 12%).
  • Instant Liquidity (Digital Process): Through our association with NJ Wealth, the process is 100% digital. Get funds in your bank account in as little as 2 hours for certain amounts.
  • No EMI Pressure: Pay only the interest amount monthly. You have the flexibility to repay the principal at your convenience without rigid EMI structures.
  • Zero Prepayment Charges: Want to close the loan early? There are no foreclosure or prepayment penalties, giving you total financial freedom.
  • Avoid Capital Gains Tax: Selling mutual funds can trigger Exit Loads and Capital Gains Tax. Taking a loan avoids these unnecessary costs.

Eligibility & Loan Limits

As an AMFI registered distributor (ARN holder), Rana Investment helps you navigate the best limits for your portfolio:

  • Equity Mutual Funds: Up to 50% of your Net Asset Value (NAV).
  • Debt Mutual Funds: Up to 80% of your Net Asset Value (NAV).
  • Minimum Loan: Start with as little as ₹25,000.

How to Apply via Rana Investment & NJ Wealth

  • Check Eligibility: Log in to your NJ E-Wealth account or contact us to see your loan limit.
  • Digital Pledge: Select the funds you wish to pledge and e-sign the request.
  • Instant Credit: Once the lien is marked, the funds are disbursed directly to your registered bank account.
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