Insights on LAS, Finance & Fintech

Everything You Need to Know About Loans Against SIP

Key Takeaways: Loans against SIP help you secure funds using your mutual funds as collateral. This way you can avoid the liquidation of your investments. Loans against SIP have lower interest rates and flexible repayment structures.

50Fin

June 6, 2025

5 min read

east

50Fin Launch Blog

Are you tired of the lengthy and complicated loan approval process when you need funds urgently? Do you want a loan with lower interest rates that won’t burden you with strict repayment terms? Look no further than 50Fin – the ultimate solution for all your loan needs.

An Easy Way to Meet Your Financial Needs

Loans against mutual funds have become a popular option for people who need quick access to funds without having to sell their mutual fund investments. This type of loan allows you to borrow money against the value of your mutual fund units. In this blog, we will discuss everything you need to know about loans against mutual funds, including the benefits and the process.

Get Loans on Your Existing Mutual Funds

Are you tired of traditional loan applications with their never-ending paperwork, credit checks, and long waiting period? Well, here’s a financial secret that might change the game for you: Get loans on your mutual funds with 50Fin! Yes, you heard that right. You do not have to sell your valuable investments or break your piggy bank. Instead, leverage your mutual funds to unlock the funds you need. Let’s dive into this exciting credit opportunity with 50Fin.

Meet your Credit Needs: The Smart Way!

Live for today ? live in the moment ? How many of us use these sayings and yet dream about tomorrow. Where am I going, what am I buying. We are constantly seeking to better our life and lifestyle. We look for ways to earn more and make more, right ? Often we feel that it’s just not enough.

Collaboration between 50Fin and The Economic Times: Revolutionizing Financial Access

50Fin and The Economic Times have come together to offer a revolutionary financial service. 50Fin & The Economic Times have partnered to embed digital Loans Against Mutual Funds for ET’s 48 Million monthly active users! This partnership will allow users to get instant credit against their Mutual Fund units with approval in under 7 minutes!

Choosing the Right Investment Strategy: Understanding Types of Mutual Funds

When venturing into the world of mutual fund investments, one of the crucial decisions you face is selecting the right investment strategy. Mutual funds offer various options tailored to different financial goals and risk appetites. In this article, we’ll delve into the types of mutual funds available, helping you decide which investment strategy aligns best with your financial objectives.

Navigating the Maze: Your Guide to Government-Backed Loan Programs in India

In India, where financial needs can be diverse and access to traditional credit limited, government-backed loan programs offer a beacon of hope and support. These schemes, designed to empower various segments of society, come with attractive features like subsidized interest rates, longer repayment terms, and relaxed eligibility criteria. But with a plethora of programs available, navigating the options can be overwhelming. Let’s demystify some of the most prominent government-backed loan programs in India:

Navigating the Loan Approval Process: Tips and Tricks

Are you looking for a loan to finance your personal or business needs? Whether you need a personal loan, a home loan, an education loan, or any other type of loan, you may find the loan approval process daunting and confusing. But don’t worry, we are here to help you with some tips and tricks on how to improve your credit scores, gather necessary documentation, and navigate the loan approval process smoothly. By following these steps, you can increase your chances of getting a loan with favorable terms and conditions.

Understanding the Impact of Interest Rates on Loans

Interest rates are one of the most important factors that affect the cost and affordability of loans. In this blog post, we will break down the impact of interest rates on loan repayments, and discuss some tips and tricks on how to deal with different types of interest rates and secure lower interest rates for your loans.

Debt Consolidation 101: Streamlining Your Finances with Loans

Do you have multiple debts that are hard to manage and expensive to repay? If so, you may benefit from a debt consolidation loan. A debt consolidation loan is a type of personal loan that can help you simplify your payments, lower your interest rate, and improve your credit score. In this blog post, we will explain what debt consolidation loans are, how they work, and their potential benefits. We will also discuss some scenarios where debt consolidation might be a wise financial move and provide some tips on finding the best consolidation loan for your needs.

Pros and Cons of Online Lending Platforms

The financial landscape is rapidly changing, and online lending platforms are at the forefront of this evolution. These platforms offer an alternative to traditional banks, promising a faster, more convenient way to access loans. But before you dive in, it’s important to understand the pros and cons of online lenders.

Financial Planning with Personal Loans: Dos and Don'ts

Personal loans can be a double-edged sword. When used responsibly, they can help you weather unexpected expenses, consolidate high-interest debt, or finance important investments. However, used unwisely, they can quickly become a financial burden. Here’s how to navigate the world of personal loans within your financial plan:

Secured vs. Unsecured Loans: Which Is Right for You?

Today, we’ll dissect the two main loan types: secured and unsecured, to help you pick the perfect weapon for your financial battle. Life throws financial curveballs, and sometimes, a loan is the answer. But with so many options, choosing the right one can feel like deciphering ancient scrolls. Fear not, brave borrower! Let’s dive deep into it.

Tax Savings Power of Your Loans: A Guide for Smart Borrowers

While loans can help us achieve financial goals or navigate emergencies, the burden of interest payments can feel heavy. But wait! Did you know that depending on the type of loan you have, you might be eligible for tax deductions that can significantly reduce your tax liability? This blog dives into the world of tax-saving loans, exploring which ones qualify and how to maximize your deductions.

The Role of Credit Scores in Loan Applications

So you need a loan – a car, a house, even that dream vacation. But before lenders open their vaults, they peek at a three-digit number: your credit score. This seemingly magical number holds immense power in the loan application process. Let’s delve into the world of credit scores and understand how they influence your borrowing journey.

Creative Ways to Crush Your Student Loans

Student loans – a burden shared by millions. But fear not, fellow graduates! There are ways to conquer this mountain of debt faster than you think. Let’s ditch the ramen noodle diet and explore some creative (and practical) strategies to say “hasta la vista” to your student loans:

Systematic Investment Plan (SIP) vs. Lump Sum

Are you looking to invest in mutual funds but feeling overwhelmed by the different approaches? Two popular methods are Systematic Investment Plans (SIPs) and lump-sum investments. Both have their own set of advantages and disadvantages, and the best choice for you depends on your financial goals and risk tolerance.

The Impact of Economic Factors on Loan Interest Rates

Ever wondered why loan interest rates seem to fluctuate like the weather? The answer lies in the complex interplay of economic factors in India. Understanding these factors can empower you, the borrower, to make informed decisions when taking out a loan.

Analyzing Past Performance of Top Mutual Funds

The world of mutual funds glitters with promises of high returns. But savvy investors know past performance, while tempting, isn’t the only factor to consider. This blog delves into how to analyze the historical performance of mutual funds in India and the crucial things to remember when evaluating past returns.

Loan on Equity Mutual Funds: Everything You Need to Know

Equity mutual funds are one of those investment vehicles that have been around for a long time – delivering results to countless investors. By definition and meaning, equity mutual funds refer to a mutual fund that invests principally in stocks. This investment can be actively or passively (index fund) managed. These types of mutual funds are categorized according to the size of a company, and the investment style of the holdings – among other factors. But what if you have you draw a loan from equity mutual funds? Is it possible? And if it is, how can you do that? This is a post explaining everything about loans on equity mutual funds. Let’s get started.

Loan on Mutual Funds: Everything You Should Know

The Indian financial ecosystem has diversified quite a lot over the last 5 years. With financial instruments like Buy Now Pay Later (BNPL), the growth of mobile banking, and the ease of borrowing loans, it’s not a surprise that we’re moving towards more feasible and convenient options. Out of the financial growth we’ve witnessed, loans on mutual funds are gaining quite a bit of traction as well. But with every new concept comes the knowledge behind it. Mutual fund loans are no different. This is a comprehensive guide on everything you should know about loans against mutual funds.

Loan Against Mutual Funds Process

Mutual funds are one of those types of investments now that aren’t just a money-saving tool. Rather, they could be extremely helpful for reasons like acting as collateral while borrowing a loan. Yes! Loans against your mutual fund portfolio are one of the most emerging concepts among Indian audiences now and definitely something to benefit from.

Personal Loans Against Mutual Funds: Features & Eligibility

India is an economically growing country. So much so that over 53% of the population borrows at least some type of personal loan before 30. Now while borrowing a personal loan (in most cases) is convenient, there are always ways to do it better, safer, and easier than any traditional loans that we hear from our parents. One of these types of loans is personal loans against mutual funds. Mutual fund loans have been able to gain quite a bit of traction over the last few years because of their convenience. What better idea than to borrow a loan against your mutual fund portfolio without even diluting it? So how does this work? Are you eligible to borrow a personal loan against your mutual fund portfolio, and should also sign up? Well, here’s a detailed analysis.

How to borrow a loan against mutual funds online?

Loans often get a bad reputation. But when managed responsibly, these loans could be a great financial instrument to manage your expenses and keep your finances in check. Now, of course, loan types have evolved quite a bit over the last few years. Loans on mutual funds are one of these types of loans. So how can you borrow a loan on mutual funds? And how good of an idea is it really? Let’s find out.

Can You Get a Loan Against Mutual Funds in India?

Is it possible to borrow a home loan on Mutual Funds?

The demand for purchasing homes is only increasing. In fact, over the last two years only, the outstanding home loan has increased by ₹10 lakh crore in India. Now, of course, buying a house is expensive.

Loan Against Mutual Funds Units: A Borrowing Guide

The need for emergency funds is undeniable, especially for investors who indulge in the financial markets. While traditional loans have played an important role in fulfilling that for years, there’s also a better provision – loans against mutual fund units. This lesser-known option is one of the most simplified methods to leverage your mutual fund units without selling them.

Eligibility Criteria for Loan Against Mutual Funds

No matter what you need to borrow money for, borrowing against your own investments is probably one of the smartest moves you can make. Loans on your mutual funds are one of the popular methods of borrowing money against your own investments.

Is an online loan against mutual funds worth it?

The need to fulfill necessities is indefinite. And loans make them easier. Indian citizens are taking more loans with every growing day. As per a Tier 1 city survey, ~71% of respondents were willing to borrow between ₹30,000 to ₹2 lacs for home renovations and constructions, business investments, and other purposes.

Traditional Loans vs Mutual Fund Loans - What to Choose?

Financial needs can arise at any point in life. And most uncalled financial needs can put a dent into your budget. Whether it’s a medical emergency, a dream vacation, or unexpected expenses, it’s almost a no-brainer to keep yourself prepared for every financial requirement.

Digital Lending Vs. Traditional Lending - What to Choose?

You have a requirement for a loan and you’ve a few ways of borrowing it. You can either approach a bank, ask your friend or family member, or choose a more flexible option – perhaps digital lending.

5 Trending Digital Lending Options (That You Should Try)

The digital lending industry is witnessing major shifts, leading to more convenience, and of course, less paperwork. And that means it automatically becomes the primary choice for people seeking a loan.

Best Mutual Fund Options For Beginners: A Quick Guide

No matter what stage of your investment journey you’re in, mutual funds always seem to be a more cordial option. The option of diversification, steady returns, and timely investments is almost a dream come true for everybody trying to enter the world of investments.

Personal Loan vs Mutual Funds Loan: What’s better?

With the number of loan options available right now, it’s not uncommon to feel overwhelmed. From traditional lending options to online lending, there are plenty of options to evaluate before borrowing a loan.

NSE and BSE Stock Market Holidays 2025: Plan Your Trading Year with Ease

As the New Year approaches, it’s time to start planning for 2025 with a fresh perspective. Whether you’re an experienced trader or just beginning your investment journey, knowing the NSE and BSE trading holidays for 2025 is essential. With the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) observing several holidays throughout the year, it’s important to stay updated to avoid surprises and effectively strategize your trades for all the stock market holidays in 2025.

Types of Personal Loans: A Detailed Guide

Key Takeaways: Personal loans are common lending options in India, with over 67% of them choosing them to meet temporary financial setbacks. While there are 8 types of personal loans, loans against mutual funds offer the most flexible repayment options with lower interest rates.

Mutual Fund Lien: A Detailed Guide 2024

Key Takeaways: You can get a loan against mutual fund units by marking a lien. A lien is marked by the lender on your mutual fund units, not the amount.

Loan Against Mutual Funds Vs Gold Loans: A Detailed Comparison

Key Takeaways: Loans against mutual funds are an ideal online lending option for meeting short-term cash-strapped situations without dissolving long-term financial plans.

How To Borrow a Personal Loan With No Paperwork?

Key takeaways While personal loans are popular, they are not as secure as loans against mutual funds. On the other hand, when you borrow loans against your mutual fund units, you use them as collateral, adding security to the arrangement.

Everything You Need to Know About Loans Against ELSS Mutual Funds

Key Takeaways: ELSS mutual funds are excellent loan options, helping you retain long-term financial stability while meeting temporary financial setbacks. ELSS mutual funds have lower interest rates and higher tax deductions. The market volatility plays a crucial role in determining your LTV ratio. Loan against ELSS mutual funds offers convenience and instant liquidity.

Best Zero Paperwork Loans That You Can Try

Key takeaways Zero paperwork loans get your loans approved within a day, requiring little to no documentation. The application process is quick and stress-free.

10 Important Features of Mutual Funds (That You Should Know Of)

There are already ample investment opportunities for inventors that they can explore. But of course, the transparency and security that mutual funds provide, it’s unlike every other investment.

Can A Student Borrow A Personal Loan?

Key Insights: In the first half of 2023, the non-banking financial companies witnessed a growth of over 43 percent in their education loan book growth. While personal loans are common, taking a loan against your mutual funds may be a better alternative.

How Can I Get a Small Personal Loan?

Key Insights: Whether you are self-employed or a salaried individual, small personal loans are your ultimate lending option for meeting temporary cash shortages. 22 percent of the personal loan consumers are under the age of 25.

7 Ways To Get a Personal Loan Without CIBIL Score

With the introduction of banking and non-banking financial corporations in India, it’s not difficult to borrow a loan anymore.

Are Personal Loans With Mutual Funds Better Than Credit Cards?

Key Insights The popularity of personal loans has increased by 25.73% as per the latest search trends in India. Loans against credit cards are often categorized as unsecured loans as they come with higher and variable interest rates. A loan against mutual fund units is often a more secure option as not only it allow you to keep ownership over your investments, but it quickly meets short-term financial needs.

5 Things To Know Before Your First Mutual Fund Investment

Key Insights Invest in mutual funds to earn profit returns as it can be a source of passive income. The mutual fund industry has increased its assets management market by 40.70%.Every mutual fund category has a different risk profile.

7 Types Of Marriage Loans in India

Marriages and grandeur celebrations are synonyms in India.

5 Ways To Maintain A Healthy Mutual Fund Portfolio

Key Insights To create an excellent mutual fund portfolio, diversify your investments and strategize a plan that meets your risk tolerance. Always review and rebalance your mutual fund investments. The mutual fund industry gained immense momentum in the last 6 months, as it crossed 61.16 lakh market share in India. Whether you are planning for retirement or working towards buying a house of your own, investing in mutual funds is always one of the best ways to come closer to meeting your financial goals. The beauty of mutual funds is that your investments can be liquidated any time you want.But to make the most of your investments, you must build a mutual fund portfolio that is diverse with growth potential. There are so many different ways of building a healthy mutual fund portfolio. Here’s a detailed guide.

Loan Against Securities vs Margin Trading: Which Option is Better for Investors?

Investors are constantly exploring options to maximize their returns while ensuring financial flexibility. Two popular methods available to investors are Loan Against Securities (LAS) and Margin Trading. While both options provide access to funds, they operate differently and suit distinct financial goals. In this article, we will compare LAS with margin trading to help investors understand which option is better suited to their investment strategy.

ECS Return Charges Explained: A Comprehensive Guide for Indian Investors

In today’s fast-paced financial ecosystem, automation plays a significant role in streamlining monetary transactions. The Electronic Clearing Service (ECS) has emerged as a reliable system for automating recurring payments such as loan EMIs, SIPs (Systematic Investment Plans), mutual fund instalments, and more. However, the flipside of convenience arises when an ECS transaction fails, leading to ECS return charges. For Indian investors and borrowers, understanding ECS return charges and learning how to avoid them is crucial. This comprehensive guide covers everything you need to know, using clear insights to enhance your financial awareness.

How to Choose The Right Type of Personal Loan: A Guide

Personal loans have successfully gathered a reputation as quick and stable tools for financial requirements. From weddings to emergencies, the issuance of types of loans has already increased by 30.94% in March 2024 in India. But with the number of options available in the Indian market, starting from loan against mutual funds, how can you choose the best option possible? Well, here’s a detailed guide.

Unlocking the Potential : A Comprehensive Guide to Loans Against Mutual Funds in India

In India’s evolving financial landscape, investors are constantly seeking ways to leverage their assets for liquidity without disrupting long-term financial goals. One such strategy gaining popularity is availing a loan against mutual funds (LAMF). This facility allows investors to pledge their mutual fund units as collateral to secure funds while their investments continue to generate returns. This comprehensive guide covers everything you need to know about loans against mutual funds in India, including benefits, eligibility criteria, interest rates, risks, the application process, and frequently asked questions.

How 50Fin Customised Role-based Reporting for IIFL?

east

How 50Fin Helped JFS Launch LAS

east

How 50Fin Helps Lenders Reduce Opex by 80%?

east