Share Your Requirement
Tell us your approximate investment value and funding requirement.
Investment & wealth solutions
Loan Against Mutual Funds & Stocks
Access liquidity from your existing investments without necessarily having to sell them.
Eligible mutual fund units and listed shares may be pledged to access funds while retaining ownership of the underlying investments, subject to lender eligibility, approved securities, market value and prevailing lending terms.
The process
How It Works
Eligibility Assessment
Eligibility depends on the securities held, their market value and the lending partner’s applicable criteria.
Pledge Eligible Securities
Eligible mutual fund units or listed shares are pledged as collateral without necessarily being sold.
Access Funds
On approval and completion of applicable documentation, the lending facility is made available subject to lender terms.
Liquidity with context
Why Consider It?
Potential Liquidity Without Immediate Sale
Access funds without necessarily liquidating eligible long-term investments.
Retain Investment Ownership
The underlying pledged investments remain in the investor’s ownership, subject to the pledge/lender arrangement.
Flexible Funding
Can help address eligible short-term or planned liquidity requirements.
Potential Tax-Timing Benefit
Because securities are not necessarily sold merely to obtain the facility, an immediate sale-triggered capital-gains event may potentially be avoided at that point. Tax treatment depends on individual circumstances.
Simple Facilitation
VRV Family Office helps clients understand the process and facilitates connection with the relevant lending partner.
Before you proceed
Important Considerations
- Loan eligibility depends on the type and value of securities pledged.
- Loan-to-value (LTV) differs by security, asset type and lender.
- Interest rates and other charges depend on prevailing lender terms.
- Eligible securities may differ between lending partners.
- Pledged investments continue to be exposed to market fluctuations.
- If collateral value declines, the borrower may be required to provide additional collateral or repay/reduce part of the outstanding amount, depending on lender terms.
- Loan approval remains subject to lender eligibility, documentation and credit/process requirements.
Next step
Check Your Eligibility
Share only the broad details needed for an initial conversation. We will help you understand the process and connect you with a relevant lending partner where appropriate.
Approval, eligible amount and terms are determined by the lending institution.
Questions
FAQs
Do I need to sell my mutual funds or shares?
Eligible securities are generally pledged rather than sold for this type of facility, subject to the lender’s process and terms.
How much loan can I receive?
The eligible amount depends on the securities pledged, their market value, applicable loan-to-value limits and lender policies.
Will my investments continue to fluctuate?
Yes. Pledged market-linked investments continue to be exposed to market movements.
What happens if the investment value falls?
Depending on the lender’s terms, a significant decline in collateral value may require additional collateral or partial repayment.
Is loan approval guaranteed?
No. Approval, eligible amount, interest rate and other terms are determined by the respective lending institution.
Loan availability, eligible securities, loan-to-value ratio, interest rates, charges and other terms are determined by the respective lending institution and may change from time to time. Pledged securities remain subject to market fluctuations. A decline in collateral value may require additional collateral or repayment as per lender terms. VRV Family Office facilitates access to relevant financial solutions and does not guarantee loan approval or specific lending terms.