Loan Against Mutual Funds Eligibility Calculator

Check your eligibility to avail Loan against Mutual Funds using this Eligibility Calculator.

Loan Against Mutual Funds Eligibility Calculator

Bajaj Finance loan against mutual funds eligibility calculator is a user-friendly online tool designed to assist borrowers in determining their eligibility to avail loans against their mutual fund investments. The calculator takes into account several essential factors including the name of the Asset Management Company (AMC), fund name, and investment units to accurately calculate the loan amount that can be availed.

With this eligibility calculator, you can easily measure your eligibility to avail this hassle-free financing option and determine the loan amount you can access by pledging your mutual funds. It provides quick and reliable results, giving borrowers a clear idea of their loan eligibility.

Make informed decisions about loan applications against your mutual funds using this excellent tool.


Results generated by the calculator(s) are indicative in nature.

The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited (“BFL”) or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, BFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking.

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Frequently asked questions

What is the loan to value on mutual funds?

The loan-to-value currently offered by Bajaj Finance Limited is up to 90% of the mutual fund value.

Please note that the above are subject to change depending upon the applicable regulations and internal policies of BFL.

Who is eligible for a loan against mutual funds?

The eligibility criteria for a loan against mutual funds with Bajaj Finance Limited are as follows:
a. Securities: You should have a minimum share of Rs. 50,000.
b. Ownership: You should be the owner of the securities and have clear and marketable title to them.
c. Age: You should fall under the age bracket of 18 to 90 years.
d. Type of mutual funds: Your funds should be under the approved list of 5000 + funds.

Are there any process fees and charges applicable on loan against mutual funds?

The fees and charges associated with a loan against mutual funds may vary depending on the lender and the terms of the loan agreement. Here are some potential fees and charges that you may encounter:
a. Interest rate: The lender may charge an interest rate on the loan amount, which can vary based on the loan amount, repayment period, and other factors.
b. Processing fee: The lender may charge a processing fee for the loan, which is usually a percentage of the loan amount.
c. Part-prepayment penalty: Some lenders may charge a part-prepayment penalty if you choose to repay the loan before the end of the loan term.
d. Late payment fee: If you miss a loan repayment, the lender may charge a late payment fee.
e. Stamp duty: In some cases, a stamp duty may be charged on the loan agreement.

How is the interest calculated on loan against mutual funds?

The interest on a loan against mutual funds is calculated based on the amount of loan that is taken and the interest rate offered by the lender. Typically, the interest rate on loans against mutual funds is lower compared to other forms of loans, as the mutual funds act as collateral for the loan and carry a lower risk.

Is a loan against mutual funds good?

Loan against mutual funds allows you to leverage the value of your investments without liquidating them. This provides liquidity while maintaining potential market gains. However, consider the risks; if the market value of your mutual funds declines, you might need to pledge additional assets to maintain the loan-to-value ratio. It's crucial to assess your financial situation, loan terms, and market conditions before opting for a loan against mutual funds.

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