Borrow against
your investments
Don't sell them.
Pledge your mutual funds or listed stocks and unlock a credit line of up to 80% of their value. Stay invested. Pay interest only on what you use.
- Loan against MFs & stocks
Loan against MFs & stocks
Pledge your mutual funds or listed stocks and unlock a credit line of up to 80% of their value. Stay invested. Pay interest only on what you use.
Interest from
Loan up to
Cash in
Approval in
Liquidity without losing your investment thesis.
Stay invested. Keep compounding.
You remain the beneficial owner of your mutual funds and stocks. Returns, dividends, and bonuses still belong to you while pledged.
Borrow up to 80% of value.
80% LTV on debt schemes; 50% on equity, hybrid, and listed stocks. A credit limit of up to ₹5 crore.
Interest only on what you use.
From 10.5% p.a., charged only on the amount you've drawn and only for the days you've held it. No prepayment penalty.
No CIBIL drama, no income proof.
A secured facility. We don't need your credit score, salary slips, or bank statements to lend against your portfolio.
15-minute approval, 2-hour cash.
Approval lands inside 15 minutes. Disbursal hits your bank within 2 hours. The entire flow is digital.
A real human, when it matters.
Your relationship manager is one tap away — for KYC questions, portfolio queries, or just a second opinion.
From PAN to payout in five clean steps.
The whole journey — from checking your limit to seeing money in your bank — runs end-to-end on Forward Wealth. No bank visits, no couriered forms, no signatures on stamp paper.
Portfolio at a glance
Enter your PAN and mobile. We fetch your consolidated mutual-fund and demat holdings from CAMS and NSDL in seconds.
Money in your account
Withdraw any amount up to your limit, any time. Cash credits within 2 hours.
Pledge your securities
Choose what to pledge. A digital lien is marked on the units or shares — you stay the beneficial owner.
Sign and accept
Review your limit, interest rate, and tenure. Sign the agreement digitally.
Money in your account
Withdraw any amount up to your limit, any time. Cash credits within 2 hours.
Liquidity without losing your investment thesis.
Stay invested. Keep compounding.
You remain the beneficial owner of your mutual funds and stocks. Returns, dividends, and bonuses still belong to you while pledged.
Borrow up to 80% of value.
80% LTV on debt schemes; 50% on equity, hybrid, and listed stocks. A credit limit of up to ₹5 crore.
Interest only on what you use.
From 10.5% p.a., charged only on the amount you've drawn and only for the days you've held it. No prepayment penalty.
No CIBIL drama, no income proof.
A secured facility. We don't need your credit score, salary slips, or bank statements to lend against your portfolio.
15-minute approval, 2-hour cash.
Approval lands inside 15 minutes. Disbursal hits your bank within 2 hours. The entire flow is digital.
A real human, when it matters.
Your relationship manager is one tap away — for KYC questions, portfolio queries, or just a second opinion.
01
Create Account
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02
User Confirmation
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03
Enjoy Full Access
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Your portfolio keeps moving. So does your loan.
Top-up your limit when you buy a new SIP. Release a lien when you repay. Swap pledged units when you want to sell one stock without unwinding the whole loan. All three are one-tap requests on Forward Wealth.
Top up your limit
Pledge additional mutual funds or stocks any time. The credit limit recalculates within a few minutes and the new headroom is immediately drawable.
Release a lien
Repay a portion of the loan to free up specific holdings. The lien marker is removed digitally with CAMS or the depository — no calls, no paperwork.
Swap pledged units
Want to sell a pledged stock? Swap it for an equivalent-value security from your free portfolio without repaying the loan. Coverage maintained throughout.
Flexible & Affordable Pricing Models
Personal
$1.37
Business
$4.95
Trusted by Professionals
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John Doe
Businessman
Loan Against Securities is a facility where your mutual funds and listed stocks are used as collateral for a loan. Your investments stay in your name — we just place a digital lien on them. You continue to earn returns, dividends, and bonuses while you borrow against the value. Repay any time, and the lien is released.
Three things you keep that you'd lose if you sold instead: compounding (your money stays invested), capital-gains tax (no realised gains, no tax event), and your investment thesis (you don't liquidate a position you still believe in). Forward Wealth gives you liquidity without unwinding any of that.
Resident Indians between 21 and 70 years of age, with a PAN and a demat or mutual-fund holding worth at least ₹50,000. Joint account holders with 'Either or Survivor' mode are eligible. Non-residents, minors, and HUF / corporate accounts cannot apply through the digital flow today — write to us at support@forwardwealth.in and we'll handle those offline.
Yes. We don't ask for salary slips, ITR, or bank statements. Because the loan is secured by your securities, the underwriting is on the collateral, not your income. The only documents we need are PAN, Aadhaar, and a bank account for disbursal.
No. We don't pull your CIBIL score and a low score won't affect your eligibility. LAS is a secured product — your loan amount is determined by the value and category of the securities you pledge, not your credit history.
Both. Eligible mutual funds get 80% LTV on debt schemes and 50% on equity/hybrid/other. Listed stocks from our approved-scrip list get 50% LTV. The exact stocks on the approved list become visible inside the app once you've completed KYC.
Nothing changes in terms of ownership. You remain the beneficial owner. Returns, dividends, bonus units, rights issues — all of it continues to flow to you. The only restriction is that you can't sell or transfer the pledged units until the lien is released. If you want to sell something specific, use the in-app swap flow to replace it with another security of equivalent value.
Repay the outstanding amount on a holding (or the whole loan) and request a release in-app. We instruct CAMS or the depository within the same day, and the lien marker is removed within 1–2 business days. You can then sell or transfer the securities freely. There's no prepayment penalty.
