creditcase: Mutual Fund Loans

**creditcase, from the smallcase group, offers a simple and secure way to get a loan against your mutual fund and stock investments.**
Whether you’re looking for a flexible line of credit, a lower-cost secured loan, or just quick cash, creditcase helps you access funds instantly while your portfolio continues to grow.

**Why creditcase?**

* Fast disbursal: get loans on mutual funds in as little as 2 hours, and on stocks by 12 PM the next day (post pledging & approval)
* Pay just interest on what you borrow – starting at 10.4% p.a.
* Stay invested: no need to sell your mutual funds or shares to access cash
* Save capital gains tax: avoid paying tax on exiting your investments
* Flexible credit line: borrow, repay, and borrow again anytime
* No foreclosure charges: close your loan early without penalties
* Safe credit check: checking your credit limit does not affect your credit score
* Trusted lending: loans are provided by RBI-regulated NBFC and Bank partners through creditcase
* Fully digital and secure: 100% paperless with bank-grade encryption

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**Loan Against Mutual Funds**
Turn your mutual funds into a source of instant liquidity without redeeming them. With creditcase, your mutual fund units remain invested and continue to earn returns, while you unlock a loan against them.

* Borrow against equity mutual funds (up to 45% of fund value) or debt funds (up to 75% of fund value)
* Loan tenure up to 36 months
* Get cash within 2 working hours
* Continue investing in SIPs while your pledged funds remain secure

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**Loan Against Stocks**
Your shares are valuable — you don’t need to sell them for cash flow. With creditcase, you can pledge your listed stocks or ETFs to access a secured loan while keeping ownership intact.

* Borrow up to INR 5 crore against approved stocks and ETFs
* Loan-to-value up to 50% of eligible securities
* Currently available for Zerodha demat accounts (other brokers coming soon)
* Funds disbursed by 12 PM the next working day after pledging
* Keep enjoying dividends, bonuses, and rights issues on pledged shares

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**Key Loan Details**

* Tenure: up to 36 months
* Maximum Annual Percentage Rate (APR): 13%

**Registered Non-Banking Financial Company (NBFC) Lenders**

* Bajaj Finance Ltd

**Example**

* Interest Rate: 12% p.a.
* Tenure: 36 months
* Cash credited: INR 48,821
* Processing Fee: INR 999
* GST: INR 180
* Total Loan Amount: INR 50,000
* EMI: INR 500
* Total Repayment Amount: INR 68,000
* APR: 12.95%

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**Get Started in 4 Simple Steps**

1. Calculate your credit limit with PAN and investment details
2. Confirm details digitally – no paperwork
3. Link your bank account
4. Pledge eligible mutual funds or stocks securely

Funds are credited directly to your bank account once approved.

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**Disclaimer**
Loans are subject to eligibility and lender approval. Essential Investment Managers Private Ltd. (“creditcase”), part of the smallcase group, acts as a Lending Service Provider (LSP). All loans are provided by RBI-regulated partner NBFCs and Banks.

**Registered Address**
#51, 3rd Floor, Le Parc Richmonde
Richmond Road, Shanthala Nagar
Richmond Town, Bangalore – 560025