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Features of insta Loan Against Mutual Funds
Loan Value
In case of Equity Mutual Funds, loan up to 50% of the Net Asset Value (NAV) with a maximum limit of Rs. 20 lakh and in case of Debt Mutual Funds, up to 80% with no maximum limit, can be availed.
List of approved Mutual Funds
The facility is available for the list of Mutual Funds approved by ICICI Bank, which are registered with CAMS.
Exclusive facility
The facility is available exclusively for select ICICI Bank account holders having Mutual Fund holdings in individual capacity.
Long-term retention
Long-term retention of Mutual Funds portfolio without liquidation.
Interest rate
Interest is charged only on the utilised amount and for the utilised time period.
Disbursement
End-to-end paperless disbursement.
Loan Amount
Maximum loan of Rs. 20 lakh and Rs. 5 crore can be availed for Equity and Debt Mutual Funds respectively.
Steps to apply for Insta Loan Against Mutual Funds
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Loan Against Securities FAQs
What is the tenure of a Loan Against Mutual Funds?
The ICICI Bank Insta Loan Against Mutual Funds (MF) provides a loan repayment tenure of one year with the option for renewal based on the performance of the account after the initial year. You can contact the Bank for more details.
What is the loan amount that can be availed?
You can borrow up to 50% of the Net Asset Value (NAV) for Equity Mutual Funds and up to 80% for Debt Mutual Funds with ICICI Bank Loan Against Mutual Funds. The loan amount is determined by the specific NAV of your chosen fund, providing flexibility and tailored financial support based on your investment portfolio.
What are the benefits of Loan Against Mutual Funds?
Fast access: Immediate access to funds without selling Mutual Fund units.
Investment leverage: Borrow up to <50-80>% of the Net Asset Value, optimising liquidity.
Financial flexibility: Competitive interest rates enhance financial planning options.
Constant returns: Allows investors to benefit from returns during the loan tenure.
Avoids liquidation: Eliminates the need to liquidate investments, preserving long-term financial goals.
