Credit against mutual funds
Unlock a RuPay Credit Card Against Your Mutual Funds
Get instant liquidity without selling a single unit. Pledge your mutual funds, get a RuPay credit card on UPI with a limit of up to 50% of your portfolio, and let your investments keep compounding — no capital gains tax, no broken SIPs.
Join the WaitlistHow it works
- 1
Fetch your portfolio
Connect digitally and we pull your mutual fund holdings from CAMS and KFintech in seconds — no paperwork, no branch visits.
- 2
Mark the lien
Approve a digital lien on the units you choose. You keep 100% ownership and your money stays invested in the market.
- 3
Instant card issuance
Your RuPay credit card is issued instantly with a limit based on your pledged value, ready to link to UPI and scan-and-pay anywhere.
Pledge vs. a normal credit card vs. traditional LAMF
| Feature | Pledge Credit Card | Normal Credit Card | Traditional LAMF |
|---|---|---|---|
| Interest-free period | Up to 45 days | Up to 45 days | |
| Revolving credit | |||
| UPI rewards | Limited | ||
| Backed by your investments | |||
| Need to sell your units | |||
| Interest charged from day one | |||
| Limit linked to portfolio value | Up to 50% | Income-based | Up to 50% |
Frequently asked questions
What is a credit card against mutual funds?
It is a RuPay credit card whose limit is backed by a digital lien on your mutual fund units. You spend on the card via UPI while your units stay invested and continue to compound.
Do I have to sell my mutual funds?
No. Your units are pledged, not redeemed, so you avoid capital gains tax and exit loads while keeping full ownership of your portfolio.
How is this different from a loan against mutual funds (LAMF)?
A traditional LAMF disburses a lump sum and starts charging interest from day one. The Pledge card is revolving credit with up to 45 days interest-free on what you spend, plus UPI rewards.
Ready to stop selling your units?
Join the Pledge waitlist and get early access to your asset-backed RuPay card.