Loan Against Mutual Funds & Stocks
Unlock the value of your investments without selling them.
At Implied Financial Services LLP, we help you access quick liquidity by leveraging your existing Mutual Fund units or Stock holdings. This facility allows you to meet your financial needs while your investments continue to stay invested and grow.
What is Loan Against Mutual Funds / Stocks?
A Loan Against Mutual Funds or Shares is a secured loan where you pledge your investments as collateral with a bank or financial institution. Instead of redeeming your investments and disturbing your long-term financial goals, you can borrow funds against them at competitive interest rates.
How It Works
Your Mutual Funds or Stocks are pledged in favor of the lender
A loan amount is sanctioned based on the value of your holdings
You receive an overdraft or loan facility
Continue earning returns on your investments while using the loan
Why Choose Loan Against Mutual Funds & Stocks
Explore the unique advantages this service provides.
Continue Your Wealth Creation Journey
Your investments remain intact and continue to participate in market growth.
Quick & Hassle-Free Processing
Minimal documentation and faster approval compared to unsecured loans.
Lower Interest Rates
Interest rates are generally lower than personal loans since the loan is secured.
Flexible Usage
Use the funds for business needs, emergencies, education, or personal goals.
Pay Interest Only on Utilized Amount
In many cases, interest is charged only on the amount you use, not the entire sanctioned limit.
Key Features
Loan amount typically up to 50%–80% of the portfolio value
Applicable on Equity Shares, Mutual Funds (Equity/Debt)
No need to liquidate long-term investments
Option to repay anytime and release pledged securities
When Should You Consider This?
Short-term liquidity requirements
Avoiding capital gains tax from redemption
Managing temporary cash flow gaps
Funding business opportunities or emergencies
Our Role
We assist you in:
Evaluating the right lender and terms
Seamless pledge process
End-to-end documentation support
Ongoing monitoring to avoid margin calls
Important Considerations
While this is a convenient option, it’s important to note:
Market fluctuations may impact your loan limit
Additional margin may be required if portfolio value falls
Timely interest servicing is essential