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A Loan Against Mutual Funds (LAMF) lets you borrow money by pledging your mutual fund units as collateral. You don’t have to sell your investments — they stay in your account and continue earning returns.

You can typically borrow 50–90% of your fund value, depending on the type of mutual fund.

No. Your funds remain in your own account. They are only pledged to DSP Finance as security. They are never sold unless a margin call isn’t met (explained below).

• If market value drops and LTV crosses limits, DSP Finance will issue a margin call, asking you to: • Add more collateral, or • Repay a small part of the loan • Only if you don’t act, the lender may sell some units (as per regulation). You will always receive alerts.

Most open-ended equity, debt, and hybrid funds are eligible. DSP Finance has a list of 7000 schemes that are approved.

No. This is the biggest advantage — your portfolio stays invested while you borrow.