Loan Against Mutual Funds with Airtel Finance

Get a loan of up to 90% of your mutual fund value – 100% digital & flexible.

Airtel Finance trusted by 10 Lakh+ Users

Apply Now Apply Now

Apply for Loan Against Mutual Funds

Apply for a loan through Airtel Finance by pledging your mutual fund holdings and get access to funds of up to ₹1,000 Cr, featuring a 100% digital process with zero paperwork

This convenient loan offering is designed to help you meet your short-term financial needs—be it for business expansion, medical emergencies, home renovation, or any personal goal—without redeeming your investments. With Airtel Finance, you can unlock liquidity from your portfolio while continuing to benefit from its market growth.

Choose from flexible tenures & EMIs that match your repayment capacity, and enjoy competitive interest rates. Manage your cash flow smartly and secure the funds you need—while your investments continue to grow!

Key Features of Loan Against Mutual Funds with Airtel Finance

Feature	Details
Loan Amount	Get a loan of up to ₹1,000 Cr by pledging your mutual fund units.
Interest Rate	Pay interest only on the amount you withdraw – competitive rates apply.
Tenure	Flexible repayment period of up to 36 months.
24 Hour Disbursal	Your bank account will be credited with your loan amount within 24 hours, on in some cases, on the same day of approval
Approval	100% digital process with no paperwork needed.
Fees & Charges	Minimal processing fee. No charges on unused limit.

Applicable fees and charges

Types of fees	Charges applicable
Interest rate	8% to 15% per annum
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full pre-payment – Sanction amount up to Rs. 5 Cr – Nil. Sanction amounts greater than Rs. 5 Cr – Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. Part pre-payment – Sanction amount up to Rs. 5 Cr – Nil. Sanction amount greater than Rs. 5 Cr – Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment.
Annual maintenance charges / Renewal fees	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount
Bounce charges	Rs. 1,200 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge at the rate of 18% per annum per installment from the respective due date until the date of receipt of the full instalment(s) amount.
Brokerage charges*	As applicable at actuals
DP charges**	As applicable at actuals
Pledge confirmation charges**	As applicable at actuals
Pledge invocation charges**	As applicable at actuals
Demat share transfer charges (post invocation)**	As applicable at actuals
Legal charges	Recovery of charges

* Charges levied by Broker to BFL and the same is being passed on to the clients.

** Charges levied by NSDL/CDSL to BFL and the same is being passed on to the clients.

Why Choose Airtel Finance?

Loan up to ₹1,000 Cr

Get a loan sanctioned against your mutual fund portfolio, up to 90% of the value.

Accepted on 5000+ Funds

Approved funds from 40+ AMCs with just 3 documents.

No Impact on Portfolio Growth

Continue earning returns as your MF investments stay intact.

Pay Only on What You Use

Withdraw partially and pay interest only on the disbursed amount.

Loan Limit Varies by Fund Type

Based on equity, debt, or hybrid fund – check your eligibility in seconds.

How to Apply?

Enter your details

Check your loan eligibility instantly by logging in with your PAN and folio details.

Choose your amount

See your eligible loan limit and select how much you need to withdraw.

Submit your application

Complete KYC verification digitally and get your loan approved within minutes.

FAQs on Loan Against Mutual Funds

You can revoke consent for the collection, storage and use of your personal information or stop receiving loan offers or request deletion of your personal data/restrict disclosure to third parties by sending an email to nodalofficer.loans@airtel.com for Loan Against Mutual Funds. Do include your mobile number and request for consent revocation or data deletion or stop receiving loan offers. All requests shall be processed within 30 days from the date of receipt of the request.

Please note: We will not be able to facilitate requests for the revocation of your data, if there is an active loan or service being availed by you or it is prohibited by legal and regulatory obligations or in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/ or regulatory direction to that effect, or in accordance with applicable laws, which may require us to store data/personal data under applicable laws and regulations for longer period.