Quick Summary: Loan Against Mutual Funds

Loan Against Mutual Funds (LAMF) allows you to pledge your portfolio for an overdraft. Equity MFs usually have a 50% LTV, while Debt MFs allow up to 80%. It is often better than selling MFs because you avoid 12.5% LTCG tax and your units continue to earn market returns.

How to use the Loan Against Mutual Funds

  1. Enter Portfolio Value

    Input the current market value of your equity and debt fund holdings.

  2. Check Overdraft Limit

    Calculate the available cash limit based on asset-specific LTVs.

  3. Review Tax Saving

    See how much you save by not booking capital gains tax via a forced sale.

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Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.