Lending & Liquidity

Borrow without breaking your investments

Sometimes the right move is to borrow rather than sell. Selling investments in a hurry can mean selling at a bad time, paying tax on the gains, and losing years of compounding. A well-chosen loan can bridge the need while your investments stay in place.

Finpotters helps you access various kinds of loans through regulated banks and NBFCs (non-banking finance companies, which are lenders regulated by the Reserve Bank of India). The lender gives the loan and makes every decision on it. We help you choose, prepare and apply.

The main options, side by side

Loan	What it is for	Security
Home loan	Buying, building or renovating a home, or moving an existing loan to a better lender	The home itself
Car loan	Buying a new or used car	The car itself
Business loan	Working capital, stock, machinery or expansion for your business	Depends on the lender
Loan against property	Larger needs such as a business, education or a family event, using property you already own	Residential or commercial property
Loan against securities	Short-term needs, while your investments keep working	Mutual funds, shares or bonds, pledged

Other kinds of loans may also be available through partner lenders; ask us about your need. Interest rates, fees and loan amounts are set by each lender and depend on your profile. We share the lender's own terms with you before you sign.

Home loans

For most families, a home loan is the largest financial commitment they will make. Small differences in rate, fees and terms add up over twenty years. We help you compare offers, understand the fine print (fixed or floating rate, prepayment rules, processing fees), and put together documents so the application moves smoothly. If you already have a home loan, we can also help you look at moving it to another lender.

Car loans

Whether it is a new car or a used one, a car loan lets you spread the cost over a few years instead of paying at once. Lenders differ on the rate, the share of the price they will fund, and the fees. We help you compare offers and keep the paperwork simple.

Business loans

Business owners often need money for stock, a new machine or a gap between paying suppliers and getting paid by customers. Depending on your needs, this may be a term loan or a working capital limit. Lenders look closely at your business records, so we help you prepare your financial statements, tax returns and bank statements before you apply.

Loan against property

If you own a house, flat, shop or office, you can borrow against it while continuing to use it. Because the loan is secured by property, it can be larger and longer than an unsecured loan. The property stays yours, but the lender holds a charge on it until the loan is repaid, so it should be used thoughtfully.

Loan against securities, including mutual funds

This is often the quickest way to raise money without selling. You pledge your mutual fund units, shares or bonds to the lender. They stay in your name and continue to rise and fall with the market, and any gains remain yours. You get a credit limit based on their value.

No sale, no breakYour investments stay invested, and you avoid selling them in a hurry.

Pay for what you useMany lenders set it up as an overdraft-style line, so interest is charged only on the amount you draw.

Know the margin ruleIf the market falls, the lender may ask you to add more securities or repay part of the loan.

The amount you can borrow is a percentage of the value of your holdings, called the loan-to-value. Each lender sets it within Reserve Bank of India limits, and the limit is lower for equity funds than for debt funds, because equity prices move more.

How Finpotters helps

Understand the needHow much, for how long, and what you can offer as security. Sometimes the answer is not to borrow at all.
Match the right type of loanWe explain which option fits and what it will cost, in plain words.
Prepare the documentsKYC, income proof, bank statements and property or holding statements, checked before submission.
Apply with the lenderWe coordinate with the partner bank or NBFC and keep you updated until a decision.
Stay on trackReminders for renewals, and support if you want to prepay or close the loan early.

Common questions

Should I take a loan against my mutual funds or redeem them?

For a short-term need, a loan can be better, because your units stay invested and you avoid tax on redemption. For a long-term need, redeeming may cost less than paying interest for years. We help you compare both for your case.

Do my mutual fund units keep growing while pledged?

Yes. The units stay in your name and their value moves with the market. You cannot sell or switch pledged units until the lien is released.

What happens if the market falls?

If the value of your pledged holdings drops below the lender's limit, the lender may ask you to add securities or repay part of the loan. If you do not, the lender may sell some of the pledged units.

Can NRIs get a loan through Finpotters?

Some lenders offer home loans and loans against securities to NRIs, subject to their own rules. Tell us your country and needs and we will check what is available. See our NRI guide.

Who decides whether my loan is approved?

Only the lender. Approval, amount, interest rate and terms are decided entirely by the bank or NBFC under its credit policy. We cannot promise approval.

What documents will I need?

Usually PAN, Aadhaar or other KYC, income proof (salary slips or tax returns), recent bank statements, and papers for the security: property documents, or your mutual fund or demat statement.

Please note: Loans are provided by partner banks and NBFCs; Finpotters only helps you choose and apply. Loan approvals are at the sole discretion of the lending institution, as are the interest rate, fees and terms. Please read the lender's Key Facts Statement (KFS) and loan agreement before you sign. Finpotters does not charge borrowers any fee; any fee for our service is paid by the lender (to be confirmed by Finpotters). Partner lenders: to be added. Grievance officer for loans: name, email and phone to be added. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.