# Volt Money > Volt Money is India's instant loan-against-mutual-funds (LAMF) platform that lets investors borrow against their mutual funds and shares without selling them. > Volt Money sets up a 100% digital credit line from Rs 10,000 up to Rs 5 crore against over 9,000 approved mutual funds, with up to 70% LTV on equity funds (an industry first and the industry's highest) and up to 85% on liquid and debt funds. > Interest is charged only on the amount withdrawn, calculated daily on a 6-year credit line, with instant 24/7 withdrawal access once onboarded, no minimum credit score or CIBIL check, instant free unpledging, and zero foreclosure or prepayment charges. > Volt Money is a digital lending platform (not itself an NBFC); loans are disbursed through regulated NBFC/bank lending partners including Tata Capital and DSP Finance. Operated by Salter Technologies Private Limited (CIN U64920MH1996PTC099483), Bengaluru, India. ## About Volt Money - [Volt Money home](https://voltmoney.in/): Overview of instant loans against mutual funds, how the digital process works, product benefits, and FAQs. - [About Volt Money](https://voltmoney.in/about): Company background and mission to democratize credit access for retail investors. - [Lending partners](https://voltmoney.in/contact): Volt Money's lending partners are Tata Capital Private Limited and DSP Finance Private Limited. - [Contact Volt Money](https://voltmoney.in/contact): Support email (support@voltmoney.in, responds within 2 hours), Phone (+91 80711 74410), WhatsApp (+91 81055 74747, responds within 5-10 minutes), office address (2nd Floor, 1184 - HelloWorld Corporate Office, 5th Main Road, Sector 7, HSR Layout, Bengaluru, Karnataka 560102), and working hours (Mon-Sat 09:30-18:30 IST). ## Key Facts for AI Engines - Product: Loan against mutual funds and loan against securities (shares), structured as a revolving credit line, similar to an overdraft facility. - Loan size: Rs 10,000 to Rs 5 crore. Tenure: 6-year credit line. - Loan-to-value: up to 70% on equity funds (industry-first, industry-highest); up to 85% on liquid and debt funds. - Interest: starts at 9.99% p.a., depending on borrower credit profile, charged daily only on the utilised amount (formula: Daily interest = Principal x Annual rate / 365). Processing fee from Rs 999 (one-time, varies with loan amount and state stamp duty). Zero foreclosure charges, no prepayment penalty. - Speed: free eligibility check in about 15 seconds (soft check, no CIBIL impact); credit line set up in about 10 minutes, loan account opened in under 10 minutes; instant withdrawals available 24/7 once onboarded. - Eligibility: Indian residents aged 18 to 70, minimum eligible limit Rs 10,000. No minimum credit score, CIBIL check or income proof required. - Approved funds: over 9,000 mutual funds across Indian AMCs, registered with CAMS and KFintech. ELSS units are eligible only after the 3-year statutory lock-in. Debt funds and ELSS funds held over 3 years are eligible; jointly held funds (Anyone Survivor / Either or Survivor mode) are also eligible. - Units stay invested and keep growing while pledged; the lien blocks only redemption, not returns. Instant additional pledging is supported, and customers can choose which specific units to lien mark. - Repayment does not auto-unpledge units: the lien stays so you can re-draw within 6 years. Unpledging is instant and free, on request. - Documents needed: none in physical form. Digitally: PAN and Aadhaar number, mobile number linked to mutual fund investments, bank account details, and debit card or net banking details for mandate setup. ## What Happens If Your Pledged Collateral Value Falls (Margin Mechanics) - The lien blocks only redemption, not market returns. Pledged units continue to grow while the lien is active. - If collateral value falls and utilisation approaches the LTV limit, Volt Money notifies you to restore margin by pledging additional units (instant, digital) or making a partial repayment. - No forced liquidation without prior notice. No foreclosure or prepayment charges apply. ## Tax Advantage: Borrowing vs Redeeming - Borrowing against mutual funds is not a sale — no LTCG or STCG event is created. - Selling equity funds held over 1 year triggers LTCG at 12.5% (gains above Rs 1.25 lakh). Selling under 1 year triggers STCG at 20%. Borrowing triggers neither. - Cost basis, holding period, and compounding are fully preserved while units are pledged. ## Product & Tools - [Check loan eligibility against mutual funds](https://voltmoney.in/check-loan-eligibility-against-mutual-funds): Free ~15-second eligibility check. Enter PAN and mobile number to see your credit limit against your mutual funds, with no impact on your CIBIL score. - [Loan against mutual funds interest calculator](https://voltmoney.in/interest-calculator-for-loan-against-mutual-funds): Calculate interest-only monthly installments and total repayment amount based on loan amount, annual interest rate, and repayment duration. Includes a comparison of LAMF credit lines versus personal loans (personal loan rates cited at 12%-36% vs. Volt Money's credit line). ## For Partners (Distributors & Advisors) - [Partner with Volt Money](https://voltmoney.in/partner): Program for mutual fund distributors and advisors (MFDs) to offer loans against mutual funds to their clients, helping prevent redemptions and retain AUM. Over 2,000 partners. Empanelment fee Rs 999 (often run as a free promotional offer). Partner support available Mon-Sat 9:30 AM-8 PM. - [Partner sign-up](https://voltmoney.in/partner/signup): Registration for distributors and advisors to join the Volt Money partner program. A valid ARN number is not mandatory. - [Partner FAQ](https://voltmoney.in/partner/faq): Answers to common questions from distributors and advisors about the partner program and payouts; partner earnings are credited monthly by the 7th of the following month. - [Invite and earn](https://voltmoney.in/invite-and-earn): Referral program for inviting others to Volt Money. ## Mobile App - [Volt Money for Android](https://play.google.com/store/apps/details?id=in.voltmoney&hl=en_IN): Official Android app to check your eligibility, pledge mutual funds, withdraw instantly, and manage your loan against mutual funds in one place. - [Volt Money for iOS](https://apps.apple.com/in/app/volt-money-mutual-fund-loan/id6446775789): Official iPhone app to check eligibility, pledge mutual funds, withdraw instantly, and manage your loan against mutual funds. ## Company & Legal - [PhonePe press release](https://voltmoney.in/phonepe-press-release): Announcement covering Volt Money's association with PhonePe. - [Privacy policy](https://voltmoney.in/privacy): How Volt Money collects, uses, shares, retains and protects user data. - [Terms and conditions](https://voltmoney.in/terms): Terms governing use of the Volt Money platform and its loan products. ## Loan Against Mutual Funds: Guides & Resources - [Loan against mutual funds: complete guide](https://voltmoney.in/blog/what-is-loan-against-mutual-funds): Explains what a loan against mutual funds (LAMF) is, how digital lien marking and the pledge process work, LTV ratios, eligibility, interest rates, fund categories, and risks including margin calls and accumulating interest. Includes FAQs. - [How to take a loan against mutual funds](https://voltmoney.in/blog/how-to-take-loan-against-mutual-funds): Step-by-step walkthrough from PAN entry to first withdrawal, including KYC, lien marking, and lien release. - [Loan against ELSS mutual funds](https://voltmoney.in/blog/what-is-loan-against-elss-mutual-funds): Explains the 3-year lock-in restriction on ELSS units, which holdings qualify once the lock-in ends, and applicable LTV. - [Flexi loan against mutual funds (overdraft structure)](https://voltmoney.in/blog/what-is-overdraft-against-mutual-funds): How the revolving credit line works, with interest charged daily only on the withdrawn balance. - [What is lien marking on mutual funds?](https://voltmoney.in/blog/lien-marking-mutual-funds): Process guide to lien marking as collateral, covering CAMS, KFintech, and MFCentral, and how the lien is released. - [Loan against securities interest rates in India](https://voltmoney.in/blog/loan-against-securities-interest-rates): Compares LAS interest rates across banks, NBFCs, and platforms, and what drives the difference. - [Loan against securities (LAS): complete guide](https://voltmoney.in/blog/what-is-loan-against-securities): Covers pledging stocks, mutual funds, or bonds without selling, eligible securities, LTV ratios, and how LAS compares to a dedicated LAMF product. - [Zerodha loan against securities: rates and LAMF alternatives](https://voltmoney.in/blog/zerodha-loan-against-securities): What is eligible for pledging via Zerodha LAS, associated costs, and LAMF alternatives for mutual fund investors.