Loan Against Mutual Funds Calculator
Mutual Fund Portfolio Value
Interest Rate
Utilized Amount
LAMF Summary
Maximum Eligible Loan
₹5.00 L
*Interest is charged only on the utilized amount, not the full eligible loan.
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Loan Against Mutual Funds Calculator
The DhanLift Loan Against Mutual Funds Calculator helps estimate the maximum loan amount available against your mutual fund portfolio along with the monthly interest payable. Continue earning returns on your investments while accessing liquidity without redeeming your mutual fund units.
How to Use Loan Against Mutual Funds Calculator?
Enter your desired loan against mutual funds amount using the slider or by typing directly into the field.
Set the interest rate based on the lender's offer or the typical range for this loan type.
Choose the repayment tenure in months - a longer tenure lowers your EMI but increases total interest.
Your Monthly EMI, Total Interest Payable, and Total Repayment amount update instantly as you adjust inputs.
Formula for Loan Against Mutual Funds
Lenders typically advance up to 50% of the NAV of equity mutual funds as an overdraft facility. Debt mutual funds may attract up to 75–80% LTV. This calculator uses 50% LTV as the standard for equity funds. You pay interest only on the amount utilized - repay principal anytime within the tenure.
Example
Benefits of Using the Loan Against Mutual Funds Calculator
Why thousands of borrowers start here before applying.
Accurate EMI Calculation
Get precise monthly repayment figures for your loan against mutual funds without any manual calculation or guesswork.
Informed Decision-Making
Compare different loan amounts, interest rates, and tenures side by side to identify the most affordable structure.
Better Financial Planning
Knowing your EMI upfront helps you budget monthly expenses and confirm the loan fits comfortably within your income.
Quick Loan Comparisons
Change the interest rate to compare offers from different lenders and understand how even 0.5% affects your total loan against mutual funds cost.
Access Liquidity Without Selling Investments
Loan Against Mutual Funds allows you to meet short-term funding requirements while continuing to remain invested. Since your mutual fund units remain invested, they may continue generating market-linked returns during the loan period.
Factors That Affect Loan Against Mutual Funds Calculator
Understanding these variables helps you estimate more accurately and plan better.
Loan Amount
The amount you borrow is the primary driver of your EMI. Higher loan against mutual funds amounts mean larger monthly payments for the same rate and tenure.
Interest Rate
Even a small difference in rate significantly changes your EMI and total interest over a long tenure. Always compare rates across lenders.
Loan Tenure
Longer tenure = lower EMI but higher total interest. Shorter tenure = higher EMI but lower total cost. The right balance depends on your monthly cash flow.
Repayment Structure
Most loans follow a reducing-balance method - interest is charged on the outstanding principal, so early prepayments have a big impact on total cost.
Prepayment Options
Part-prepayments reduce your outstanding balance, which can either lower future EMIs or shorten your tenure - both saving you interest.
Mutual Fund Type
Equity mutual funds generally receive an LTV of up to 50%, while debt mutual funds may qualify for higher LTV limits depending on the lender and applicable regulations.
Portfolio Value
As the market value (NAV) of your mutual fund changes, your eligible loan amount may also change.
NAV Fluctuation
Since mutual fund values fluctuate daily, lenders may ask for additional collateral if portfolio value falls below the required margin.