Loan against mutual funds

Borrow against your funds.Keep them growing.

Get an instant credit line against your equity and debt mutual funds, starting at 9.5% p.a. No selling, no capital gains tax, and your SIPs keep running.

Check your limitSee how it works
Lending partner: DSP Finance, an RBI-registered NBFC
CaplyCREDIT LINE
AVAILABLE LIMIT
₹25,00,000
9.5%
P.A. ONWARDS
Lending partner
DSP Finance
Regulated by
RBI-registered NBFC
Portfolio data via
CAMS & KFintech
AMFI-registered MFD
ARN 190417
9.5%p.a.

Interest rates starting from

<15min

From portfolio fetch to money in your bank

₹0

Prepayment or foreclosure charges

100%

Of your units stay invested and keep compounding

How it works

Money in minutes.Four simple steps.

01

Fetch your portfolio

Securely sync your mutual fund holdings from CAMS and KFintech with a single OTP. No statements to upload.

1/4
Your portfolio
Fetched from CAMS & KFintech
Total value
₹49,90,000
4 funds · 2 AMCsLimit ₹25,00,000
FC
Flexi Cap Fund
Equity
₹18,40,000
Eligible
LI
Large Cap Index Fund
Equity
₹14,75,000
Eligible
CB
Corporate Bond Fund
Debt
₹11,20,000
Eligible
LF
Liquid Fund
Debt
₹5,65,000
Eligible
Continue
02

Complete digital KYC

A paperless KYC flow verifies your identity in a couple of minutes, with no documents to scan.

2/4
Verify your identity
Paperless, takes about 2 minutes
PAN detailsVerified
Aadhaar eKYCVerified
Live selfieMatched
Continue
03

Choose your limit & pledge

Pick how much you need from your eligible limit and approve the lien with an OTP. Your units stay invested.

3/4
Choose amount
Eligible up to ₹25,00,000
Withdraw now
₹15,00,000
₹5L₹10L₹15LMax
Interest rate9.5% p.a.
Interest charged onAmount used only
Funds pledged4 funds
Prepayment charges₹0
Pledge with OTP
04

Get money in your bank

Funds are credited to your registered bank account. Withdraw when you need, repay whenever you like.

4/4
Money sent to Savings •• 4821
₹15,00,000
StatusCredited
TimeJust now
Remaining limit₹10,00,000
Your funds
Still invested & growing
Go to dashboard
The smart choice

Don't sell.Borrow smarter.

See how your net wealth changes depending on how you raise the money.

Funds required₹25,00,000
₹5L₹5Cr
Time horizon
Net wealth after 3 years
₹63,12,140
₹58,99,640
₹30,73,280
Caply LAMFPersonal loanRedeem funds
LAMF
Personal loan
Redeem
Interest cost
~9.5%
~15%
—
Capital gains tax
None
None
12.5%
Portfolio keeps growing
Time to money
< 15 mins
Days
Days
Wealth preserved vs redeeming
Growth and taxes you keep by borrowing instead of selling, over 3 years.
+₹32,38,860

Illustrative only. Assumes a portfolio twice the amount needed and 12% annual returns. Actual returns, rates and taxes will vary.

Built on trust

Your funds stayyours.

Pledged, not sold.

A lien is marked on your units as collateral. You stay the owner, they keep earning returns, and the lien is released as soon as you repay.

Units
Intact
Returns
Intact
Ownership
Intact

RBI-regulated lender

Loans are sanctioned by DSP Finance, an RBI-registered NBFC. Caply is its Lending Service Provider.

Lending partner details →

Consent-first data

Your portfolio is fetched from CAMS and KFintech only after you approve with an OTP, and used only for your loan.

Pricing

Simple, upfrontpricing.

No hidden fees. Everything you pay is disclosed before you sign.

Interest rate
From 9.5% p.a.
Charged daily, only on the amount you actually withdraw.
Prepayment & foreclosure
₹0
Repay part or all of your loan any time, at no extra cost.
Processing fee & other charges
Shown upfront
Listed in your Key Fact Statement before you accept the loan.
Lending partner
DSP Finance
RBI-registered NBFC that sanctions and disburses your loan.

Full fees, charges and grievance details are on our Lending Partners page.

FAQ

Questions,answered.

No. Pledging only marks a lien on units you already hold. Your SIPs continue as usual and your portfolio keeps compounding.

Your portfolio has a credit line waiting.

Check your limit in under two minutes. It doesn't affect your investments.

Check your limit