Loan Against Mutual Funds (LAMF)
Instant liquidity against your fund units without redemption taxes or broken compounding.
A Loan Against Mutual Funds (LAMF) provides a digital overdraft credit line by pledging your active mutual fund units as collateral with partner NBFCs. Rather than selling long-term equity units during a short-term cash crunch, you access liquidity while keeping your funds invested in the market.
Why Modern Families Choose This Strategy
Zero Capital Gains Tax Trigger
Avoid triggering 12.5% LTCG or 20% STCG taxes and exit loads that accompany actual fund redemptions.
Uninterrupted Market Compounding
Your pledged mutual fund units stay invested, continuing to generate NAV returns and dividend growth.
Pay Interest Only on Drawn Funds
Operates as a flexible revolving credit line. Interest applies exclusively to the amount used, with zero EMI lock-in.
Check Your Instant LAMF Credit Eligibility
Calculate your eligible borrowing limit based on your active mutual fund portfolio without selling any units.
AMFI Registered Mutual Fund Distributor • ARN-373559 • Regulated by AMFI & SEBI
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. GoalFinserv acts purely as an AMFI-registered distributor and does not provide guaranteed or assured returns on equity or hybrid market instruments.