Financial Freedom At Your Fingertips

Unlock the Power of Your Mutual Funds

Get instant loans against your mutual fund investments without selling them. Enjoy competitive interest rates starting at 8.5% with minimal documentation.

₹2.5Cr+

Loans Disbursed

500+

Happy Customers

*8.5%

Interest Rate

Trading Dashboard

Loan Against Mutual Funds

Unlock liquidity from your portfolio

Loan Amount

₹25,00,000

Portfolio Value

₹1.2 Cr

Interest Rate

8.5% p.a

Trusted by leading institutions

CAMS
KFINTECH
NSDL
Why our clients trust us

Why Choose Fluidpe

Unlock the full potential of your mutual fund investments with our innovative loan solutions

Competitive Interest Rates

Enjoy interest rates starting from just 8.5% p.a., significantly lower than personal loans and credit cards.

Quick Disbursals

Get funds in your account within 24 hours after approval, with minimal documentation requirements.

Retain Market Upside

Continue to benefit from potential market appreciation while accessing funds for your immediate needs.

Flexible Repayment Options

Choose from multiple repayment plans that suit your cash flow, with no prepayment penalties.

Higher Loan Amounts

Access up to 80% of your mutual fund portfolio value, with loan amounts ranging from ₹1 Lakh to ₹5 Crores.

Wide Range of Acceptable Funds

Pledge various mutual fund schemes including equity, debt, and hybrid funds to secure your loan with maximum flexibility.

How It Works

Four simple steps to unlock the value of your mutual fund investments

1

Upload Documents

Upload KYC, PAN and other documents for quick verification.

2

Select Mutual Funds

Choose the mutual funds you wish to pledge as collateral.

3

Digital Signing

Complete the digital signing process securely online - no paperwork.

4

Instant Disbursal

Receive funds instantly in your bank account once approved.

Calculate Your Savings with Loan Against Mutual Funds

See how much you can save compared to traditional financing options

Loan Calculator

Adjust the sliders to see your potential savings

500,000
24 months
8.5%

Your Loan Summary

Best Rate!
Monthly EMI22,728
Loan Amount500,000
Interest Rate
8.5% p.a.
Lowest!
Tenure24 months
Total Interest: ₹85,000

Savings Comparison

See how much you save with Fluidpe compared to other options

Loan TypeInterest RateTotal InterestComparison
Fluidpe Loan Against Mutual Funds
8.5%85,000
Best Option
Personal Loan14%140,000
-₹55,000
Credit Card36%360,000
-₹275,000

Highest Savings Potential

By choosing Fluidpe instead of Credit Card financing:

You save ₹275,000

That's 76% in interest savings!

Avoid Credit Card Financing

You'll pay 275,000 more in interest with credit cards at 36% rate

Personal Loans Cost More

You'll pay 55,000 more in interest with personal loans at 14% rate

What Our Customers Say

Join thousands of satisfied customers who've experienced the Fluidpe advantage

After evaluating Loan Against Mutual Funds offerings from Lark Finserv and Volt Money, I was skeptical about true liquidity. FluidPe’s 50% LTV on equity funds (and up to 80% on debt funds) delivered instant overdraft access without forced sell-offs. Their transparent interest-only-on-utilisation model and fully customisable repayment schedule have redefined capital efficiency for our working-capital needs—far superior to Yenmo’s rigid terms

RM

Rahul Mehta

CFO, Mumbai

I switched from Volt Money to FluidPe because their Loan Against Mutual Funds platform provides market-leading leverage and real-time disbursals. Their intuitive dashboard and flexible repayment options empower our growth strategy with minimal opportunity cost.

PS

Priya Singh

Founder & MD, Mumbai

As a high-growth SME, I questioned whether Lark Finserv or Yenmo could match FluidPe’s seamless credit line. Their overdraft facility against mutual funds offered same-day approvals and interest charged only on days utilised—driving unparalleled ROI. This Loan Against Mutual Funds service has become an integral part of our treasury operations, delivering both agility and robust risk management.

AV

Amit Verma

CEO, Mumbai

As a startup co-founder, cash flow volatility is my daily battle. Leveraging 50% LTV on my equity funds gave me the runway to hire critical talent, with ZERO forced liquidations and total control over repayments.

NK

Neha Kapoor

Head of Finance, Gurugram

In the past, I’d sold SIPs at a loss to manage working capital. With this LAMF facility, I accessed 80% LTV on debt funds, saved on capital gains taxes, and stayed fully invested—transforming my cash-flow strategy overnight.

MN

Meera Nair

CFO, Delhi NCR

Ready to Unlock the Value of Your Mutual Fund Portfolio?

Apply now to get a personalized quote and access funds without selling your mutual fund investments. Our experts are ready to help you every step of the way.

Frequently Asked Questions

Fluidpe is a digital financial platform that enables investors to unlock the power of their mutual fund investments by providing instant loans against mutual funds portfolio. We offer a streamlined, 100% digital experience with no need to sell your investments, ensuring you continue to benefit from market growth while accessing liquidity.

FluidPe's loan against mutual funds is available for more than 8000+ mutual funds offered by various asset management companies (AMCs)in India. However, please note that ELSS tax saving funds with a date of purchase of less than 3 years (not matured) are not eligible for the loan

- You should be between 18 and 70 years of age. - Your eligible credit limit should be at least ₹ 10,000. - Debt & ELSS funds (units held for more than 3 years) are also eligible for loans against mutual funds. - Joint mutual funds in AS / ES (anyone survivor / either or survivor) mode of holding are also eligible for loan against mutual funds. - You should be an Indian resident. - Minimum credit score and income proofs are not required.

The interest rate for Loan Against Securities (LAS) ranges from 10.5% to 12.5%, depending on the loan amount and tenure. For Loan Against Mutual Funds (LAMF), the interest rate is fixed at 10.5%.

The Loan-to-Value (LTV) ratio for Loan Against Securities (LAS) is capped at 50% for shares and equity Mutual Funds, as per RBI guidelines. For debt mutual funds, it may go up to 80%.

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