{"id":1854,"date":"2025-12-11T20:00:00","date_gmt":"2025-12-11T14:30:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=1854"},"modified":"2025-12-11T17:23:07","modified_gmt":"2025-12-11T11:53:07","slug":"want-10-5-personal-loan-heres-how-your-mutual-funds-can-help-you-get-it","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/want-10-5-personal-loan-heres-how-your-mutual-funds-can-help-you-get-it\/","title":{"rendered":"Want 10.5% Personal Loan? Here\u2019s How Your Mutual Funds Can Help You Get It"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis: <\/strong>Discover how your mutual fund investments can unlock a personal loan at just 10.5% interest. Learn how LAMF works, why banks offer lower rates, key eligibility factors, and the strategic steps that dramatically improve your approval chances.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Getting a personal loan at 10.5% interest may seem difficult in today\u2019s high-rate environment, but your mutual fund investments can actually make it possible. Banks and NBFCs now offer loans where your mutual fund units act as security, helping you get lower interest rates, faster approvals, and a higher loan amount compared to a regular personal loan<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3215079047\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-so-can-i-get-a-personal-loan-on-10-5-interest-rate-with-the-help-of-mutual-funds\"><strong>So Can I get a personal loan on 10.5% interest rate with the help of mutual funds?<\/strong><\/h2>\n\n\n\n<p>Absolutely, the chances of a user getting a <strong><strong><a href=\"https:\/\/tradebrains.in\/money\/low-credit-score-here-are-the-5-best-personal-loans-for-600-credit-score-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal loan<\/a><\/strong><\/strong> against MF at an interest rate of typically 9.5% to 13% per annum (interest rates may vary) is highly likely. This can happen by using mutual funds investments. The user can either use their mutual funds as their collateral or as their financial strength indicator. <\/p>\n\n\n\n<p>There are two types of loans that are offered by the banks and the NBFCs (non-banking financial company) that are linked to the mutual funds: Loan against Mutual Funds (LAMF) and unsecured personal loans. Let us get a brief understanding of Loan against Mutual Funds<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3402148611\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-loan-against-mutual-funds-lamf\"><strong>Loan Against Mutual Funds (LAMF)<\/strong><\/h2>\n\n\n\n<p>Loan Against Mutual Funds (LAMF) is a credible way to get liquidity without redeeming your mutual funds. Several banks and NBFCs (as well as fintech lenders) offer LAMF. You pledge your MF units, continue to earn returns, and get a loan at a relatively lower interest rate compared to unsecured personal loans.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1979612866\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-key-features-of-lamf\"><strong>key features of LAMF<\/strong><\/h3>\n\n\n\n<p><strong>Lower interest rates: <\/strong>Typical interest rates for LAMF (as of 2024\u20132025) are often in the range of&nbsp; 9.5% to 13% p.a. depending on lender, type of funds (debt or equity), loan amount, and other conditions. In favorable cases (promotions or good relationship with the bank), rates around 9.9\u201310.5% p.a. are seen. But it is not guaranteed, always check the offer before committing..<\/p>\n\n\n\n<p><strong>Higher loan amount:<\/strong> the user may get up to 50-60% of the value of equity of mutual funds and 75-85% of the value of debt mutual funds.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1162891029\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<p><strong>Fast process:<\/strong> the approval of the personal loan can be done in an instant or within a day if the mutual fund is in a demat format.<\/p>\n\n\n\n<p><strong>Few documentation<\/strong>: there will be minimum burden to the lender in terms of documentation since the loan is already secured with mutual funds and risk is lower. you still need to pledge the MF units, complete KYC, and sign a lien\/pledge agreement.<\/p>\n\n\n\n<p><strong>Conclusion:<\/strong> LAMF is the best measure to secure a rate of 10.5% on personal loans if the user has a strong mutual funds portfolio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-mutual-funds-boost-the-eligibility-of-the-user-for-personal-loans\"><strong>Mutual funds boost the eligibility of the user for personal loans<\/strong><\/h2>\n\n\n\n<p>Bank uses the mutual funds investment returns as a collateral till the loan amount is not cleared. Using mutual funds as a collateral improves the financial profile of the user and helps in risk assessment since the mutual fund investment returns are used as collateral.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-top-rewards-credit-cards-in-india-2026-for-maximum-redemption-value\"><strong>Also read: <a href=\"https:\/\/tradebrains.in\/money\/top-rewards-credit-cards-in-india-2026-for-maximum-redemption-value\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Top Rewards Credit Cards in India (2026) for Maximum Redemption Value<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-what-are-the-different-factors-that-depend-on-eligibility\"><strong>What are the different factors that depend on eligibility?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Score<\/strong>: The users\u2019 credit score must be above 750.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stable income<\/strong>: the user must have a stable income for the bank to understand that the user can clear the loan amount.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Existing EMIs:<\/strong> the user must have all their existing EMIs cleared in order to apply for a different loan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-how-can-the-user-secure-a-good-chance-of-getting-a-10-5-personal-loan\"><strong>How can the user secure a good chance of getting a 10.5% personal loan?<\/strong><\/h2>\n\n\n\n<p>The applicant will have a good chance of securing a personal loan with 10.5% interest if they follow these steps:<\/p>\n\n\n\n<p><strong>Credit score:<\/strong> While some lenders may review your credit history, many LAMF providers approve loans based primarily on the pledged mutual fund value. A good credit score can be helpful but is not always mandatory<\/p>\n\n\n\n<p><strong>Mutual fund portfolio:<\/strong> A sufficiently large and eligible mutual fund portfolio is required, with the minimum amount varying depending on the lender\u2019s criteria<\/p>\n\n\n\n<p><strong>Relationship with a bank:<\/strong> Having an existing relationship with a bank may sometimes help, but it is not a guaranteed factor for approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-conclusion\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Yes, the applicant can get a personal loan with an interest of 10.5% interest rate with the help of mutual funds. The Loan Against Mutual Funds (LAMF) is the best measure which offers low interest rates, quick approvals without selling the investments.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by: Atin Kevin<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Discover how your mutual fund investments can unlock a personal loan at just 10.5% interest. Learn how LAMF works, why banks offer lower rates, key eligibility factors, and the strategic steps that dramatically improve your approval chances. Getting a personal loan at 10.5% interest may seem difficult in today\u2019s high-rate environment, but your mutual [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1866,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[854,14],"tags":[851,318,838],"ppma_author":[1013],"class_list":["post-1854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","category-trending","tag-loans","tag-mutual-funds","tag-personal-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Want 10.5% Personal Loan? 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