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What Is the Ideal Portfolio Size Before Considering a Loan Against Mutual Funds?
LAMF keeps mutual funds invested and compounding while giving you short-term liquidity without selling assets.
While lenders allow LAMF for portfolios as small as ₹1 Lakh, the ideal "strategic" size is ₹5 Lakh+.This ensures that even after the 50% LTV haircut on equity, you have a meaningful credit line of ₹2.5 Lakh.Smaller portfolios may find the processing fees (₹500–₹2,500) and annual maintenance charges disproportionately high, eroding the net benefit of the facility compared to a simple personal loan. Apply Now