About Volt Money
Volt Money is a digital platform that lets Indian retail investors borrow against their mutual funds instantly, without selling a single unit. We connect investors with RBI-regulated lending partners who fund the loan, while we run the technology: a fully online process covering eligibility, pledging, and disbursal. You can access a flexible credit facility or term loan at affordable interest rates and flexible repayment, while your investments stay intact and continue to grow. Our mission is to democratize credit and make lending fast, seamless, transparent, and secure.
What we do
Most people treat their mutual funds as money they cannot touch until they sell. We think differently. A loan against mutual funds lets you pledge your units as collateral and borrow against them, so you get the cash you need today while staying invested for tomorrow. You pay interest only on the amount you actually withdraw, and your units keep earning returns the entire time.
How it works
The whole journey is digital and quick. You can open your loan account in about 10 minutes:
- Enter your PAN to check your credit limit against your mutual fund portfolio in seconds.
- Complete OTP-based KYC through DigiLocker and add the bank account where you want funds sent.
- Pledge your units with a single OTP through a registrar-level lien and accept the Key Facts Statement and loan agreement.
- Withdraw what you need, whenever you need, and repay anytime within your 6-year credit line, paying interest only on what you actually withdraw.
You can walk through the full process in our step-by-step guide, or estimate your cost first with our interest calculator.
Why investors choose Volt Money
- Interest rates that start at 9.99% p.a. (set by our lending partners), charged only on what you draw.
- Borrow up to 85% of your portfolio value, with a credit facility that stays open for up to 6 years.
- No minimum credit score required for availing Loan Against Mutual Funds.
- Over 9,000 approved mutual fund schemes, with up to 70% LTV on equity funds — an industry first and the highest in the industry.
- Instant additional pledging to raise your limit anytime, and instant, free unpledging whenever you want your units back.
- Fully paperless, with your loan account ready in about 10 minutes.
Security and trusted partners
We are a technology platform, not a lender. The loans themselves are extended by our RBI-regulated lending partners, while we handle the eligibility check, pledging, and disbursal experience. Your investments and data are handled through regulated, industry-standard infrastructure. We work with registrars and partners including CAMS, KFintech, NSDL, CERSAI, and DigiLocker, and your units are pledged through a transparent lien at the registrar level. They remain in your name and your demat or folio throughout, and the lien is released instantly and free of charge when you choose to unpledge.
Frequently asked questions
Get started
Curious how much you can unlock from your portfolio? Check your eligibility in 15 seconds. To learn more about how it all works, explore our guides and resources.
