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2.17191C7.00018 1.93207 7.20758 1.73747 7.46318 1.73747H9.7594V0.868734H7.46318C7.20758 0.868734 7.00018 0.674274 7.00018 0.434292C7.00018 0.194456 7.20758 0 7.46318 0H12.5372C12.7928 0 13.0002 0.19446 13.0002 0.434292C13.0002 0.674274 12.7928 0.868734 12.5372 0.868734H10.6854V1.73747H12.5372C12.6599 1.73747 12.7777 1.78328 12.8645 1.86473C12.9513 1.94618 13.0002 2.05672 13.0002 2.17191L13.0001 2.1719Z" fill="#F8A63F"></path></g><defs><clipPath id="clip0_17517_29912"><rect width="24" height="24.3137" fill="white" transform="translate(0 0.136719)"></rect></clipPath></defs></svg></span> <span class="lg:font-medium">Loan Against Mutual Funds</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Borrow using mutual fund holdings in minutes</span></a></li><li><p class="font-semibold text-base px-0 lg:px-3 py-1 lg:py-2"><a class="text-black" href="/credit-card/fibe-axis-bank-credit-card/">Credit Card</a></p></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/credit-card/fibe-axis-bank-credit-card/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg fill="none" height="24" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><g stroke-width="1.5"><path d="m2 7h20v4h-20z" stroke="#f8a63f" stroke-linejoin="round"></path><path d="m2 7c0-2.20914 1.79086-4 4-4h12c2.2091 0 4 1.79086 4 4v10c0 2.2091-1.7909 4-4 4h-12c-2.20914 0-4-1.7909-4-4z" stroke="#333" stroke-linejoin="round"></path><path d="m8 17h-2" stroke="#f8a63f" 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class="text-black" href="/fibe-emis/">FibeEMIS-Buy Now Pay Later</a></p></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/fibe-emis/healthcare/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="25" fill="none"><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M12 11.143v6.079M15 14.182H9"></path><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M8 6.078V5.065c0-1.679 1.343-3.04 3-3.04h2c1.657 0 3 1.361 3 3.04v1.013M6 22.287h12c2.21 0 4-1.814 4-4.052V10.13c0-2.238-1.79-4.052-4-4.052H6c-2.21 0-4 1.814-4 4.052v8.105c0 2.238 1.79 4.052 4 4.052Z"></path></svg></span> <span class="lg:font-medium">Medical Loan</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Access the best of healthcare on EMIs</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/fibe-emis/education/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="22" height="21" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M10.317 3.632c-2.124-1.507-5.104-2.19-7.323-2.445C1.896 1.062 1 1.991 1 3.137v11.412c0 1.145.896 2.075 1.994 2.2 2.219.254 5.2.937 7.323 2.445.408.29.958.29 1.366 0 2.124-1.508 5.104-2.19 7.323-2.445 1.098-.125 1.994-1.055 1.994-2.2V3.136c0-1.146-.896-2.075-1.994-1.95-2.219.254-5.2.938-7.323 2.445-.408.29-.958.29-1.366 0Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M3.994 6.457c1.266.199 2.678.529 4 1.047m-4 3.005c.64.1 1.316.235 2 .41m5-5.679v12.664"></path></svg></span> <span class="lg:font-medium">Education Loan</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Fuel your aspirations with the latest upskilling courses on EMIs</span></a></li></ul></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 "><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Loan Calculators</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-[250px] lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out lg:grid lg:grid-cols-2 lg:w-[640px] lg:divide-x [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>ul>li>a]:text-sm "><li class="lg:pr-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink"><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/personal-loan-emi-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M8 6h8m4 12V6a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v12a4 4 0 0 0 4 4h8a4 4 0 0 0 4-4Z"></path><path fill="#F8A63F" d="M8.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM12.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM16.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM8.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM12.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM16.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0Z"></path></svg></span> <span class="lg:font-medium">Personal Loan EMI Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get EMI amount, repayment tenure and interest rate beforehand</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/instant-cash-loan-emi-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="22" height="22" fill="none"><path stroke="#333" stroke-width="1.5" d="M17 1H5a4 4 0 0 0-4 4v12a4 4 0 0 0 4 4h12a4 4 0 0 0 4-4V5a4 4 0 0 0-4-4Z"></path><path stroke="#F8A63F" stroke-width="1.5" d="M15 9a2 2 0 0 0-2 2v2a2 2 0 1 0 4 0v-2a2 2 0 0 0-2-2ZM7 5a2 2 0 0 0-2 2v6a2 2 0 1 0 4 0V7a2 2 0 0 0-2-2Z"></path></svg></span> <span class="lg:font-medium">Instant Loan EMI Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Know EMI loan amount in seconds to plan your finances better</span></a></li></ul></li><li class="lg:pl-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/personal-loan-eligibility-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M22 10v8a4 4 0 0 1-4 4H6a4 4 0 0 1-4-4V6a4 4 0 0 1 4-4h8"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M5 12h1a2 2 0 0 0 2-2V9a2 2 0 1 1 4 0v6a2 2 0 1 0 4 0v-1a2 2 0 0 1 2-2h1m3-7.5a2.5 2.5 0 1 1-5 0 2.5 2.5 0 0 1 5 0Z"></path></svg></span> <span class="lg:font-medium">Eligibility Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Easy-to-use calculator to know your loan eligibility in seconds</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/check-credit-score/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M20 8a2 2 0 0 1 2 2v10a2 2 0 1 1-4 0V10a2 2 0 0 1 2-2ZM4 16a2 2 0 0 1 2 2v2a2 2 0 1 1-4 0v-2a2 2 0 0 1 2-2ZM12 12a2 2 0 0 1 2 2v6a2 2 0 1 1-4 0v-6a2 2 0 0 1 2-2Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M19 2h2a1 1 0 0 1 1 1v2m-1-2c-7.941 6.391-12.058 8.113-19 9"></path></svg></span> <span class="lg:font-medium">Check Credit Score</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get your credit score for free before applying for a loan</span></a></li></ul></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 active"><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Learn</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-10 lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>a]:text-sm "><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/blogs/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-width="1.5" d="M16 4h1a4 4 0 0 1 4 4v10a4 4 0 0 1-4 4H7a4 4 0 0 1-4-4V8a4 4 0 0 1 4-4h1m8 0a2 2 0 0 1-2 2h-4a2 2 0 0 1-2-2m8 0a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M8 10h8m-8 4h8m-8 4h4"></path></svg></span> <span class="lg:font-medium">Blogs</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg 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4h4"></path></svg></span> <span class="lg:font-medium">Financial Dictionary</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get all financial terms, formulas, concepts or theories that you are searching for</span></a></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 "><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">About Us</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-[250px] lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out lg:grid lg:grid-cols-2 lg:w-[640px] lg:divide-x [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>ul>li>a]:text-sm "><li class="lg:pr-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/about-us/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-width="1.5" d="M13 3h-2a9 9 0 0 0-9 9v5a4 4 0 0 0 4 4h7a9 9 0 1 0 0-18Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M8 10h8m-8 4h4"></path></svg></span> <span class="lg:font-medium">About Fibe</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Fibe is India’s largest lending platform that offers instant credit solutions</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/careers/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M12 19v3m0 0H9m3 0h3m-9-3h12a4 4 0 0 0 4-4V6a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v9a4 4 0 0 0 4 4Z"></path><path stroke="#F8A63F" stroke-width="1.5" d="M14 8a2 2 0 1 0-4 0 2 2 0 0 0 4 0ZM8 13.5A1.5 1.5 0 0 1 9.5 12h5a1.5 1.5 0 0 1 0 3h-5A1.5 1.5 0 0 1 8 13.5Z"></path></svg></span> <span class="lg:font-medium">Careers</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Explore jobs at Fibe that best suits your passion and dreams</span></a></li></ul></li><li class="lg:pl-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/news/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M2 6v12a4 4 0 0 0 4 4h12a4 4 0 0 0 4-4V6a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M7 12h10M9 7h6M9 17h6"></path></svg></span> <span class="lg:font-medium">News</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" 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group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Reach us via different channels for your concerns and get instant help</span></a></li></ul></li></ul></li><li class="flex-col lg:flex-row relative group/l1 p-3 lg:p-0 hidden lg:flex"><div class="flex lg:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Download Fibe</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-10 lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] 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Learn more on Fibe.","image":"https://www.fibe.in/_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2024%2F07%2F12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg&w=3840&q=75","author":{"@type":"Organization","name":"Fibe","url":"https://www.fibe.in/"},"publisher":{"@type":"Organization","name":"Fibe","logo":{"@type":"ImageObject","url":"https://www.fibe.in/fibe-india.svg"}},"dateModified":"2024-09-19"}</script><section class="w-full px-6 lg:px-8 flex"><div class="w-full mt-10 lg:mt-16 pt-16 lg:pt-20 container"><div class="py-4 mb-2 flex flex-wrap justify-between items-center text-center lg:text-left"><ul class="flex flex-wrap justify-center justify-center items-center mx-auto lg:mx-0 [&>li]:mb-2"><li class="inline-flex items-center"><a class="text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal" href="https://www.fibe.in/">Home</a></li><li class="inline-flex items-center font-semibold"><img alt="Fibe personal loan and instant cash loan app" loading="lazy" width="6" height="6" decoding="async" data-nimg="1" class="mx-auto lg:mx-0" style="color:transparent" src="/icons/breadcrumb-arrow.svg"/></li><li class="inline-flex items-center"><a class="text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal" href="https://www.fibe.in/blogs/">Blogs</a></li><li class="inline-flex items-center font-semibold"><img alt="Fibe personal loan and instant cash loan app" loading="lazy" width="6" height="6" decoding="async" data-nimg="1" class="mx-auto lg:mx-0" style="color:transparent" src="/icons/breadcrumb-arrow.svg"/></li><li class="inline-flex items-center"><a class="text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal" href="https://www.fibe.in/blogs/secured-loan/">Secured Loan</a></li><li class="inline-flex items-center font-semibold"><img alt="Fibe personal loan and instant cash loan app" loading="lazy" width="6" height="6" decoding="async" data-nimg="1" class="mx-auto lg:mx-0" style="color:transparent" src="/icons/breadcrumb-arrow.svg"/></li><li class="inline-flex items-center"><div class="text-sm md:text-base lg:text-lg xl:text-xl xl:text-lg px-2 text-primary font-medium">Can I Reinvest In Mutual Funds After Taking A Mutual Fund Loan</div></li></ul></div><h1 class="text-3xl lg:text-5xl text-center lg:text-start font-bold text-midnight-black mb-4 lg:mb-8">Reinvesting the Mutual Fund Loan: Important Things to Know</h1><div class="my-4"><ul class="divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-center lg:justify-start [&>li]:px-3 [&>li]:mb-2 [&>li:first-child]:pl-0 text-base lg:text-xl"><li>Updated on: 19 Sep 2024</li><li>Published on: 11 Jul 2024</li></ul></div></div></section><section class="w-full px-6 lg:px-8"><div class="w-full py-2 container relative lg:flex"><div class="lg:w-2/3 mt-20 lg:mt-0 flex flex-col"><div class="mb-4 lg:mb-8 lg:mr-12"><div class="my-1"><img alt="Reinvesting the Mutual Fund Loan: Important Things to Know" fetchPriority="high" width="1320" height="400" decoding="async" data-nimg="1" class="w-full mb-2" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2024%2F07%2F12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg&w=1920&q=75 1x, /_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2024%2F07%2F12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg&w=3840&q=75 2x" src="/_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2024%2F07%2F12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg&w=3840&q=75"/></div></div><div class="lg:order-2 mb-4 lg:mb-8 lg:mr-12"><div class="content-area blogDetailInner"> <p>Mutual fund loans allow you to leverage your assets to maximise returns and provide you with a strategic advantage. You can even unlock the potential of your mutual funds by taking a loan against them and then reinvesting those funds to compound your earnings. </p> <p>Seasoned investors often use this strategy to access cash to keep riding the market wave while meeting their short-term needs. To know more about this strategy, benefits and risks, read on. </p> <h2 class="wp-block-heading">What is the Loan Against Mutual Fund Procedure?</h2> <p>This lending process can be a game-changer if you are struggling with a temporary financial need but are hesitant to disrupt your long-term investment. Here is the procedure to obtain a mutual fund loan:</p> <ul class="wp-block-list"> <li>Pledge your mutual fund units to the lender, which the lender will consider as collateral </li> <li>The mutual fund units continue to earn returns while you repay the entire loan</li> <li>You cannot sell your MF units until you repay the loan in its entirety </li> <li>Once you repay the loan, the lender will release the pledge or lien marked over your MF units</li> <li>If you default on loan repayment, the lender can sell off your mutual funds to recover the borrowed sum</li> </ul> <h2 class="wp-block-heading">Can I Invest the Loan Amount Received Against MF in Another MF Scheme?</h2> <p>This credit facility generally does not come with any restriction on the purposes of use. Hence, you can also utilise the loan amount to invest in mutual funds. However, there may still be certain restrictions on the type of investments allowed with the loan amount.</p> <h2 class="wp-block-heading">Things to Know When Availing Loan Against Mutual Funds</h2> <p>This innovative tool allows you to access quick cash without selling your valuable MF units. But before diving in, consider the following factors.</p> <ul class="wp-block-list"> <li><strong>Access to Limited Funds</strong></li> </ul> <p>The amount you can get as a loan against mutual funds depends on the type of scheme and the financial institution from which you borrow. Banks generally provide you access to 50%-80% of the Net Asset Value (NAV) for equity mutual funds.</p> <ul class="wp-block-list"> <li><strong>Not All Banks Provide MF Loans</strong></li> </ul> <p>Many banks and NBFCs lend money only if you have invested in certain mutual funds. Most of them only extend loans against those MFs registered under the Computer Age Management Solutions Private Limited (CAMS).</p> <ul class="wp-block-list"> <li><strong>Lower Cost</strong></li> </ul> <p>Since these are secured loans, mutual fund loans offer funds at competitive interest rates than personal loans and credit cards. For instance, you will only have to pay an interest rate of 8%-10% p.a., which is considerably lower than unsecured credit.</p> <ul class="wp-block-list"> <li><strong>Continued Returns on Pledged Funds</strong></li> </ul> <p>You remain invested in mutual funds even after you have pledged them. Also, you will continue to accrue returns as the NAV increases over time.  </p> <ul class="wp-block-list"> <li><strong>Convenient Online Facility</strong></li> </ul> <p>Due to technological advancements, most banks and NBFCs now allow you to access a loan against mutual funds from the comfort of your home. To apply for the same, all you need to do is visit the lender’s website or mobile application.</p> <ul class="wp-block-list"> <li><strong>No Credit Check</strong></li> </ul> <p>When you avail of a loan against a mutual fund, which is a<a href="https://www.fibe.in/personal-loan/eligibility-criteria/"> secured loan,</a> the lenders don’t conduct an extensive <a href="https://www.fibe.in/check-credit-score/">credit check</a>.</p> <h2 class="wp-block-heading">Risks Associated with Loan Against Mutual Funds</h2> <p>These offer a tempting solution for accessing quick cash without selling your investments. The following are some of the risks associated with them:</p> <ul class="wp-block-list"> <li><strong>Market Volatility</strong></li> </ul> <p>As the loan amount depends on the loan-to-value (LTV) ratio, you may have to pledge more units if the NAV of your mutual fund falls. </p> <ul class="wp-block-list"> <li><strong>Loss of Returns</strong></li> </ul> <p>If you do not repay the loan, you will lose the capital as well as the returns accrued over time. </p> <ul class="wp-block-list"> <li><strong>Risk of Default</strong></li> </ul> <p>If you fail to repay the loan, the lender will redeem the MF units to recover the unpaid amount. </p> <ul class="wp-block-list"> <li><strong>Several Charges</strong></li> </ul> <p>Loans against mutual funds come with processing fees, valuation charges and other charges, which can increase your cost of borrowing. </p> <p>Now, you may have understood the potential of using mutual fund loans to stay invested if you believe in the bullish nature of the stock market. Fibe can help make it a reality by allowing you to get quick access to funds to invest in mutual funds. With Fibe, you can get hassle-free <a href="https://personal-loan.fibe.in/">Instant Loans</a> of up to ₹5 lakhs. Download the Fibe <a href="https://play.google.com/store/apps/details?id=com.earlysalary.android&hl=en_IN&gl=IN">Personal Loan App</a> or register on the application for funds at competitive rates and with easy documentation.</p> <h2 class="wp-block-heading">FAQs on Can I Take MF Loan to Reinvest in Mutual Funds</h2> <h3 class="wp-block-heading">Can I take a loan and put it in a mutual fund?</h3> <p>Yes, you can pledge your investment in an MF to get access to quick funds. You can reinvest this amount in another mutual fund to earn potentially high returns.</p> <h3 class="wp-block-heading">Is a loan against mutual funds good?</h3> <p>A mutual fund loan allows you to get quick access to funds while letting you earn returns on your existing investment. These loans also come with attractive interest rates, flexible repayments and quick approvals. If you reinvest the loan amount in another MF scheme, you can earn potentially high returns.</p> </div><div class="my-4"><ul class="divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-start lg:justify-start [&>li]:px-3 [&>li]:mb-2 [&>li:first-child]:pl-0 text-base lg:text-xl"><li><a class="text-primary hover:text-primary-dark" href="/blogs/secured-loan/">Secured Loan</a></li><li>11 Jul 2024</li></ul></div></div><div class="lg:order-1 mb-4 lg:mr-2 relative"><span class="group bg-transparent border-2 border-slate-200 hover:border-midnight-black px-4 py-1 lg:py-2 md:text-base lg:text-xl font-semibold rounded-lg transition-colors duration-150 focus:shadow-outline mb-4 hover:bg-midnight-black hover:text-white text-midnight-black inline-flex" role="button"><div class="flex justify-start items-center"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" stroke="#333" class="stroke-black group-hover:stroke-white"><path stroke-linecap="round" 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lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/fibeemis/">FibeEMIS</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/finance/">Finance</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/fixed-deposit/">Fixed Deposit</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/home-improvement-loan/">Home Improvement Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/instant-cash/">Instant Cash</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border 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lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/loan-management-tips/">Loan Management Tips</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/medical-loan/">Medical Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/pan-card/">PAN Card</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/personal-loan/">Personal Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/salary/">Salary</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/secured-loan/">Secured Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/tax/">Tax</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/travel-loan/">Travel Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate 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viewBox="0 0 320 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z"></path></svg></div><div class="px-3 mb-2 block"><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="fair code practices" href="/fair-code-practices/">Fair Practice Codes</a></li><li><a class="hover:text-primary" title="terms conditions" href="/terms-conditions/">Terms And Conditions</a></li><li><a class="hover:text-primary" title="Amazon pay giftcard T&C" href="/amazon-pay-gift-card-tnc/">Amazon pay giftcard T&C</a></li><li><a class="hover:text-primary" title="Promotional T&Cs for HRMS Tie-ups" href="/promotions-tnc/">Promotional T&Cs for HRMS Tie-ups</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Refer & Earn T&C" href="/refer-n-earn-tnc/">Refer & Earn T&C</a></li><li><a class="hover:text-primary" title="Privacy Policy" href="/privacy-policy/">Privacy Policy</a></li><li><a class="hover:text-primary" title="Disclaimer" href="/disclaimer/">Disclaimer</a></li><li><a class="hover:text-primary" title="disclosure" href="/disclosure/">Disclosure</a></li><li><a class="hover:text-primary" title="regulatory disclosures" href="/regulatory-disclosures/">Regulatory Disclosures</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="vigil mechanism policy" href="/vigil-mechanism-policy/">Vigil Mechanism Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="moratorium policy" href="/moratorium-policy/">Moratorium Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="moratorium-terms" href="/moratorium-terms/">Moratorium Terms</a></li><li class="first:mt-0"><a class="hover:text-primary" title="face code conduct" href="/face-code-conduct/">FACE - Code of Conduct</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Grievance Redressal Policy" href="/grievance-redressal/">Grievance Redressal Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Lending Partners" href="/our-lending-partners/">Our Lending Partners</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Sourcing Partners" href="/our-sourcing-partners/">Our Sourcing Partners</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Collection Agencies" href="/our-collection-agencies/">Our Collection Agencies</a></li></ul></div></div></div></section><section class="bg-mid-grey text-white py-2 lg:py-4 px-2 rounded-lg"><div class="inline-flex items-center h-10 px-3 text-white"><span class="mr-2 font-semibold text-lg capitalize">Resources</span><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 320 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z"></path></svg></div><div class="px-3 mb-2 block"><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><div class="font-semibold mb-5 capitalize">Calculators</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="fair code practices" href="/personal-loan-emi-calculator/">Personal Loan EMI Calculator</a></li><li><a class="hover:text-primary" title="terms conditions" href="/instant-cash-loan-emi-calculator/">Instant Loan EMI Calculator</a></li><li><a class="hover:text-primary" title="Amazon pay giftcard T&C" href="/personal-loan-eligibility-calculator/">Eligibility Calculator</a></li><li><a class="hover:text-primary" title="Promotional T&Cs for HRMS Tie-ups" href="/check-credit-score/">Check Credit Score</a></li><li><a class="hover:text-primary" title="Personal Loan Interest Rate" href="/personal-loan/personal-loan-interest-rate/">Personal Loan Interest Rate</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal Loan Eligibility</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Instant Loan Eligibility Criteria" href="/instant-cash-loan/eligibility-criteria/">Instant Loan Eligibility Criteria</a></li><li><a class="hover:text-primary" title="Personal Loan Eligibility Criteria" href="/personal-loan/eligibility-criteria/">Personal Loan Eligibility Criteria</a></li><li><a class="hover:text-primary" title="Document Required for Instant Loan" href="/instant-cash-loan/documents-required/">Document Required for Instant Loan</a></li><li><a class="hover:text-primary" title="Document Required for Personal Loan" href="/personal-loan/documents-required/">Document Required for Personal Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal Loan by Salary</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="20,000 Salary Loan" href="/personal-loan/20000-salary-loan/">20,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="30,000 Salary Loan" href="/personal-loan/30000-salary-loan/">30,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="40,000 Salary Loan" href="/personal-loan/40000-salary-loan/">40,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="50,000 Salary Loan" href="/personal-loan/50000-salary-loan/">50,000 Salary Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Credit Card</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Free credit card" href="/credit-card/free-credit-card/">Free credit card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Cashback Credit card" href="/credit-card/cashback-credit-card/">Cashback Credit card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Card Eligibilty Criteria" href="/credit-card/credit-card-eligibility-criteria/">Card Eligibilty Criteria</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Document Required for Credit card" href="/credit-card/document-required-for-credit-card/">Document Required for Credit card</a></li></ul></div></div><div class="mt-6"></div><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><div class="font-semibold mb-5 capitalize">Types of Loan</div><ul role="list" class="[&>*]:mb-3"><li><a class="hover:text-primary" title="Loan for Salaried Professional" href="/personal-loan/salaried-professional/">Loan for Salaried Professional</a></li><li><a class="hover:text-primary" title="Travel Loan" href="/personal-loan/travel-loan/">Travel Loan</a></li><li><a class="hover:text-primary" title="Digital Loan" href="/personal-loan/digital-loan/">Digital Loan</a></li><li><a class="hover:text-primary" title="Short Term Loan" href="/personal-loan/short-term-loan/">Short Term Loan</a></li><li><a class="hover:text-primary" title="Long Term Loan" href="/personal-loan/long-term-loan/">Long Term Loan</a></li><li><a class="hover:text-primary" title="Wedding Loan" href="/personal-loan/wedding-loan/">Wedding Loan</a></li><li><a class="hover:text-primary" title="Medical Loan" href="/personal-loan/medical-emergency-loan/">Medical Loan</a></li><li><a class="hover:text-primary" title="Secured Loan" href="/secured-loan/">Secured Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal loan by Amount</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="50000 Personal Loan" href="/personal-loan/50000-personal-loan/">50000 Loan</a></li><li><a class="hover:text-primary" title="60000 Personal Loan" href="/personal-loan/60000-personal-loan/">60000 Loan</a></li><li><a class="hover:text-primary" title="70000 Personal Loan" href="/personal-loan/70000-personal-loan/">70000 Loan</a></li><li><a class="hover:text-primary" title="80000 Personal Loan" href="/personal-loan/80000-personal-loan/">80000 Loan</a></li><li><a class="hover:text-primary" title="90000 Personal Loan" href="/personal-loan/90000-personal-loan/">90000 Loan</a></li><li><a class="hover:text-primary" title="1 Lakh Personal Loan" href="/personal-loan/1-lakh-personal-loan/">1 Lakh Loan</a></li><li><a class="hover:text-primary" title="2 Lakh Personal Loan" href="/personal-loan/2-lakh-personal-loan/">2 Lakh Loan</a></li><li><a class="hover:text-primary" title="3 Lakh Personal Loan" href="/personal-loan/3-lakh-personal-loan/">3 Lakh Loan</a></li><li><a class="hover:text-primary" title="4 Lakh Personal Loan" href="/personal-loan/4-lakh-personal-loan/">4 Lakh Loan</a></li><li><a class="hover:text-primary" title="5 Lakh Personal Loan" href="/personal-loan/5-lakh-personal-loan/">5 Lakh Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Blogs</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Foreclosure Charges for Personal Loan" href="/blogs/foreclosure-charges-for-personal-loan/">Foreclosure Charges for Personal Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Personal Loan Statement" href="/blogs/check-your-personal-loan-statement-loan-details-in-6-easy-steps/">Check Personal Loan Statement</a></li><li class="first:mt-0"><a class="hover:text-primary" title="What is Loan Account Number?" href="/blogs/loan-account-number-why-it-is-important-and-how-to-find-it/">What is Loan Account Number?</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Loan Status Using Pan Card" href="/blogs/how-to-check-loan-status-using-pan-card/">Check Loan Status Using Pan Card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="How to Make Advance EMI Payment?" href="/blogs/how-to-make-advance-emi-payment-online/">How to Make Advance EMI Payment?</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Bank Statement Online" href="/blogs/how-to-get-a-bank-statement-without-net-banking-credentials/">Check Bank Statement Online</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Bonus Calculation on Salary" href="/blogs/how-to-calculate-bonus-on-salary-and-why-it-is-important/">Bonus Calculation on Salary</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 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Learn more on Fibe.\\\",\\\"image\\\":\\\"https://www.fibe.in/_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2024%2F07%2F12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg\u0026w=3840\u0026q=75\\\",\\\"author\\\":{\\\"@type\\\":\\\"Organization\\\",\\\"name\\\":\\\"Fibe\\\",\\\"url\\\":\\\"https://www.fibe.in/\\\"},\\\"publisher\\\":{\\\"@type\\\":\\\"Organization\\\",\\\"name\\\":\\\"Fibe\\\",\\\"logo\\\":{\\\"@type\\\":\\\"ImageObject\\\",\\\"url\\\":\\\"https://www.fibe.in/fibe-india.svg\\\"}},\\\"dateModified\\\":\\\"2024-09-19\\\"}\"}}],null,[\"$\",\"section\",null,{\"className\":\"w-full px-6 lg:px-8 flex\",\"children\":[\"$\",\"div\",null,{\"className\":\"w-full mt-10 lg:mt-16 pt-16 lg:pt-20 container\",\"children\":[[\"$\",\"div\",null,{\"className\":\"py-4 mb-2 flex flex-wrap justify-between items-center text-center lg:text-left\",\"children\":[\"$\",\"ul\",null,{\"className\":\"flex flex-wrap justify-center justify-center items-center mx-auto lg:mx-0 [\u0026\u003eli]:mb-2\",\"children\":[[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Home\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/blogs/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Blogs\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/blogs/secured-loan/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Secured Loan\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"div\",null,{\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl xl:text-lg px-2 text-primary font-medium\",\"children\":\"Can I Reinvest In Mutual Funds After Taking A Mutual Fund Loan\"}]}],\"\"]]}]}],[\"$\",\"h1\",null,{\"className\":\"text-3xl lg:text-5xl text-center lg:text-start font-bold text-midnight-black mb-4 lg:mb-8\",\"children\":\"Reinvesting the Mutual Fund Loan: Important Things to Know\"}],null,[\"$\",\"div\",null,{\"className\":\"my-4\",\"children\":[\"$\",\"ul\",null,{\"className\":\"divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-center lg:justify-start [\u0026\u003eli]:px-3 [\u0026\u003eli]:mb-2 [\u0026\u003eli:first-child]:pl-0 text-base lg:text-xl\",\"children\":[[\"$\",\"li\",null,{\"children\":[\"Updated on: \",\"19 Sep 2024\"]}],[\"$\",\"li\",null,{\"children\":[\"Published on: \",\"11 Jul 2024\"]}],null]}]}]]}]}],[\"$\",\"section\",null,{\"className\":\"w-full px-6 lg:px-8\",\"children\":[\"$\",\"div\",null,{\"className\":\"w-full py-2 container relative lg:flex\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:w-2/3 mt-20 lg:mt-0 flex flex-col\",\"children\":[[\"$\",\"div\",null,{\"className\":\"mb-4 lg:mb-8 lg:mr-12\",\"children\":[\"$\",\"div\",null,{\"className\":\"my-1\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"https://altcont.fibe.in/wp-content/uploads/2024/07/12Can-I-take-a-loan-against-my-mutual-funds-and-reinvest-again-in-mutual-funds.jpg\",\"width\":1320,\"height\":400,\"className\":\"w-full mb-2\",\"alt\":\"Reinvesting the Mutual Fund Loan: Important Things to Know\",\"priority\":true}]}]}],[\"$\",\"div\",null,{\"className\":\"lg:order-2 mb-4 lg:mb-8 lg:mr-12\",\"children\":[[\"$\",\"div\",null,{\"className\":\"content-area blogDetailInner\",\"dangerouslySetInnerHTML\":{\"__html\":\"\\n\u003cp\u003eMutual fund loans allow you to leverage your assets to maximise returns and provide you with a strategic advantage. You can even unlock the potential of your mutual funds by taking a loan against them and then reinvesting those funds to compound your earnings.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cp\u003eSeasoned investors often use this strategy to access cash to keep riding the market wave while meeting their short-term needs. To know more about this strategy, benefits and risks, read on.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eWhat is the Loan Against Mutual Fund Procedure?\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eThis lending process can be a game-changer if you are struggling with a temporary financial need but are hesitant to disrupt your long-term investment. Here is the procedure to obtain a mutual fund loan:\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003ePledge your mutual fund units to the lender, which the lender will consider as collateral\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eThe mutual fund units continue to earn returns while you repay the entire loan\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eYou cannot sell your MF units until you repay the loan in its entirety\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eOnce you repay the loan, the lender will release the pledge or lien marked over your MF units\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eIf you default on loan repayment, the lender can sell off your mutual funds to recover the borrowed sum\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eCan I Invest the Loan Amount Received Against MF in Another MF Scheme?\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eThis credit facility generally does not come with any restriction on the purposes of use. Hence, you can also utilise the loan amount to invest in mutual funds. However, there may still be certain restrictions on the type of investments allowed with the loan amount.\u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eThings to Know When Availing Loan Against Mutual Funds\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eThis innovative tool allows you to access quick cash without selling your valuable MF units. But before diving in, consider the following factors.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eAccess to Limited Funds\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eThe amount you can get as a loan against mutual funds depends on the type of scheme and the financial institution from which you borrow. Banks generally provide you access to 50%-80% of the Net Asset Value (NAV) for equity mutual funds.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eNot All Banks Provide MF Loans\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eMany banks and NBFCs lend money only if you have invested in certain mutual funds. Most of them only extend loans against those MFs registered under the Computer Age Management Solutions Private Limited (CAMS).\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eLower Cost\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eSince these are secured loans, mutual fund loans offer funds at competitive interest rates than personal loans and credit cards. For instance, you will only have to pay an interest rate of 8%-10% p.a., which is considerably lower than unsecured credit.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eContinued Returns on Pledged Funds\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eYou remain invested in mutual funds even after you have pledged them. Also, you will continue to accrue returns as the NAV increases over time.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eConvenient Online Facility\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eDue to technological advancements, most banks and NBFCs now allow you to access a loan against mutual funds from the comfort of your home. To apply for the same, all you need to do is visit the lender’s website or mobile application.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eNo Credit Check\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eWhen you avail of a loan against a mutual fund, which is a\u003ca href=\\\"https://www.fibe.in/personal-loan/eligibility-criteria/\\\"\u003e secured loan,\u003c/a\u003e the lenders don’t conduct an extensive \u003ca href=\\\"https://www.fibe.in/check-credit-score/\\\"\u003ecredit check\u003c/a\u003e.\u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eRisks Associated with Loan Against Mutual Funds\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eThese offer a tempting solution for accessing quick cash without selling your investments. The following are some of the risks associated with them:\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eMarket Volatility\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eAs the loan amount depends on the loan-to-value (LTV) ratio, you may have to pledge more units if the NAV of your mutual fund falls.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eLoss of Returns\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eIf you do not repay the loan, you will lose the capital as well as the returns accrued over time.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eRisk of Default\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eIf you fail to repay the loan, the lender will redeem the MF units to recover the unpaid amount.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eSeveral Charges\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eLoans against mutual funds come with processing fees, valuation charges and other charges, which can increase your cost of borrowing.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cp\u003eNow, you may have understood the potential of using mutual fund loans to stay invested if you believe in the bullish nature of the stock market. Fibe can help make it a reality by allowing you to get quick access to funds to invest in mutual funds. With Fibe, you can get hassle-free \u003ca href=\\\"https://personal-loan.fibe.in/\\\"\u003eInstant Loans\u003c/a\u003e of up to ₹5 lakhs. Download the Fibe \u003ca href=\\\"https://play.google.com/store/apps/details?id=com.earlysalary.android\u0026amp;hl=en_IN\u0026amp;gl=IN\\\"\u003ePersonal Loan App\u003c/a\u003e or register on the application for funds at competitive rates and with easy documentation.\u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eFAQs on Can I Take MF Loan to Reinvest in Mutual Funds\u003c/h2\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eCan I take a loan and put it in a mutual fund?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eYes, you can pledge your investment in an MF to get access to quick funds. You can reinvest this amount in another mutual fund to earn potentially high returns.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eIs a loan against mutual funds good?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eA mutual fund loan allows you to get quick access to funds while letting you earn returns on your existing investment. These loans also come with attractive interest rates, flexible repayments and quick approvals. 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