Loan against funds vs selling
Need cash? Compare selling your mutual funds against borrowing at 9.99% — we'll show the tax and lost compounding you'd give up by selling, versus the interest you'd pay to keep your money invested.
How much cash do you need?
₹10k
₹50L
What's your mutual fund portfolio worth?
₹50k
₹2Cr
When will you repay / no longer need it?
3 mo
60 mo
Expected return on your funds
If you sold, the gains would be
Borrowing keeps in your pocket
₹18,770
vs selling your funds to raise ₹2.00 L over 12 months
If you sell
₹38,750
Capital-gains tax
₹8,750
Lost compounding
₹30,000
If you borrow at 9.99%
₹19,980
Interest only
₹19,980
Funds keep compounding
₹0 lost
Assumes ~35% of what you'd redeem is profit, equity capital-gains rates, simple interest at 9.99% p.a. on the borrowed amount, and that your funds keep returning at the rate you chose. Illustration only — your tax, returns and loan terms will differ. *T&C apply
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