Need funds without breaking your long-term investments? Borrow against your mutual fund units or LIC policy instead of redeeming them.
Selling a long-term investment to meet a short-term cash need can permanently derail your financial plan and trigger tax on gains you didn't intend to realise yet. A loan against mutual funds or an LIC policy lets you access liquidity while your investment stays invested and continues working toward its original goal.
We help you understand the eligible schemes/policies, the loan-to-value ratio offered, and the applicable interest rate before you pledge anything.
Your mutual fund units or LIC policy keep growing/earning while you use the loan amount.
Often quicker to process than an unsecured personal loan, since the pledge itself is the security.
Rates are typically lower than unsecured personal loans, given the collateral backing.
Since you're not redeeming your investment, you avoid triggering capital gains tax on the pledged units.
Pledge only a portion of your holdings rather than your entire portfolio.
Repayment structures suited to overdraft-style or term-loan formats depending on the lender.
"I needed funds for a business opportunity but didn't want to touch my mutual funds. Borrowing against them instead was exactly the solution AD Investments suggested."
Talk to us for free. No commitments. We'll review your financial situation and show you exactly how to move forward — step by step.
Disclaimer — Loan approval, sanctioned amount, interest rate, processing fee and other charges are at the sole discretion of the respective bank / NBFC and subject to their credit policy, documentation and eligibility criteria. Rates and terms shown are indicative and subject to change without notice. AD Investments acts as a facilitator / referral partner and does not guarantee approval or specific terms.