Mutual funds eligible for a PiFi card
Browse 2,950 schemes and see the indicative RuPay card limit each supports — from 45% of value on equity schemes to 80% on debt. Pledging units is not a redemption, so your units stay invested in your name.
Showing 1,001–1,200 of 2,950
- HDFC Silver ETF Fund of Fund - Growth Option - Direct PlanOther Scheme - FoF Domesticup to 45%
- HDFC Small Cap Fund - Growth Option - Direct PlanEquity Scheme - Small Cap Fundup to 45%
- HDFC Technology Fund - Growth Option - Direct PlanEquity Scheme - Sectoral/ Thematicup to 45%
- HDFC Transportation and Logistics Fund - Growth Option - Direct PlanEquity Scheme - Sectoral/ Thematicup to 45%
- HDFC Ultra Short Term Fund - Direct Plan-Growth OptionDebt Scheme - Ultra Short Duration Fundup to 80%
- HDFC Value Fund - Growth Option - Direct PlanEquity Scheme - Value Fundup to 45%
- HDFCNIVODGOther Scheme - Index Fundsup to 45%
- Helios Arbitrage Fund - Direct GrowthHybrid Scheme - Arbitrage Fundup to 50%
- Helios Balanced Advantage Fund- Direct Plan- Growth OptionHybrid Schemes - Balanced Advantage Fund/ Dynamic Asset Allocationup to 50%
- Helios Financial Services Fund - Direct Plan - Growth OptionEquity Scheme - Sectoral/ Thematicup to 45%
- Helios Flexi Cap Fund - Direct Plan - Growth OptionEquity Scheme - Flexi Cap Fundup to 45%
- Helios Large & Mid Cap Fund - Direct Plan - Growth OptionEquity Scheme - Large & Mid Cap Fundup to 45%
- Helios Mid Cap Fund - Direct Plan - Growth OptionEquity Scheme - Mid Cap Fundup to 45%
- Helios Overnight Fund - Direct Plan - Growth OptionIncome/Debt Oriented Schemes - Overnight Fundup to 80%
- Helios Small Cap Fund - Direct Plan - Growth OptionEquity Scheme - Small Cap Fundup to 45%
- HSBC Aggressive Hybrid Active FOF - Growth DirectOther Scheme - FoF Domesticup to 45%
- HSBC Aggressive Hybrid Fund - Direct GrowthHybrid Scheme - Aggressive Hybrid Fundup to 50%
- HSBC Arbitrage Fund - Direct GrowthHybrid Scheme - Arbitrage Fundup to 50%
- HSBC Asia Pacific (Ex Japan) Dividend Yield Fund - Growth DirectOther Scheme - FoF Overseasup to 45%
- HSBC Asia Pacific IDCW Yield Fund Direct Plan IDCWOther Scheme - FoF Overseasup to 45%
- HSBC Balanced Advantage Fund - Direct GrowthHybrid Scheme - Dynamic Asset Allocation or Balanced Advantageup to 50%
- HSBC Banking and PSU Debt Fund - Direct GrowthIncome/Debt Oriented Schemes - Banking and PSU Debt Fundup to 80%
- HSBC Brazil Fund - Growth DirectOther Scheme - FoF Overseasup to 45%
- HSBC Business Cycles Fund - Direct GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- HSBC Conservative Hybrid Fund - Direct GrowthHybrid Scheme - Conservative Hybrid Fundup to 50%
- HSBC Consumption Fund - Direct GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- HSBC Corporate Bond Fund - Direct GrowthDebt Scheme - Corporate Bond Fundup to 80%
- HSBC Corporate Bond Fund - Direct Semi Annual IDCWDebt Scheme - Corporate Bond Fundup to 80%
- HSBC Credit Risk Fund - Direct GrowthDebt Scheme - Credit Risk Fundup to 80%
- HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Direct - GrowthOther Scheme - Index Fundsup to 45%
- HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Direct - Payout of IDCWOther Scheme - Index Fundsup to 45%
- HSBC CRISIL IBX Gilt June 2027 Index Fund - Direct - GrowthOther Scheme - Index Fundsup to 45%
- HSBC Dynamic Bond Fund - Direct GrowthIncome/Debt Oriented Schemes - Dynamic Term Fundup to 80%
- HSBC ELSS Tax saver Fund - Direct GrowthEquity Scheme - ELSSup to 45%
- HSBC Equity Savings Fund - Direct GrowthHybrid Scheme - Equity Savingsup to 45%
- HSBC Financial Services Fund - Direct GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- HSBC Flexi Cap Fund - Direct GrowthEquity Scheme - Flexi Cap Fundup to 45%
- HSBC Focused Fund - Direct GrowthEquity Scheme - Focused Fundup to 45%
- HSBC Gilt Fund - Direct GrowthDebt Scheme - Gilt Fundup to 80%
- HSBC Global Emerging Market Fund - Growth DirectOther Scheme - FoF Overseasup to 45%
- HSBC Global Emerging Markets Fund - IDCW Direct PlanOther Scheme - FoF Overseasup to 45%
- HSBC Gold ETFOther Scheme - Gold ETFup to 45%
- HSBC Gold ETF Fund of fund - Direct GrowthOther Scheme - FoF Domesticup to 45%
- HSBC Income Plus Arbitrage Active FOF - Growth DirectOther Scheme - FoF Domesticup to 45%
- HSBC India Export Opportunities Fund - Direct GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- HSBC Infrastructure Fund - Direct GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- HSBC Large & Mid Cap Fund - Direct GrowthEquity Scheme - Large & Mid Cap Fundup to 45%
- HSBC Large Cap Fund - Direct GrowthEquity Scheme - Large Cap Fundup to 45%
- HSBC Liquid Fund - Growth DirectDebt Scheme - Liquid Fundup to 80%
- HSBC Liquid Fund - Institutional Daily IDCWDebt Scheme - Liquid Fundup to 80%
- HSBC Low Duration Fund - Direct GrowthDebt Scheme - Low Duration Fundup to 80%
- HSBC Medium Duration Fund - Direct GrowthDebt Scheme - Medium Duration Fundup to 80%
- HSBC Medium to Long Duration Fund - Direct GrowthDebt Scheme - Medium to Long Duration Fundup to 80%
- HSBC Midcap Fund - Direct GrowthEquity Scheme - Mid Cap Fundup to 45%
- HSBC Money Market Fund - Direct GrowthDebt Scheme - Money Market Fundup to 80%
- HSBC Multi Asset Active FOF - Growth DirectOther Scheme - FoF Domesticup to 45%
- HSBC Multi Asset Allocation Fund - Direct - GrowthHybrid Scheme - Multi Asset Allocationup to 50%
- HSBC Multi Cap Fund - Direct - GrowthEquity Scheme - Multi Cap Fundup to 45%
- HSBC NIFTY 50 INDEX FUND - Direct GrowthOther Scheme - Index Fundsup to 45%
- HSBC NIFTY NEXT 50 INDEX FUND - Direct GrowthOther Scheme - Index Fundsup to 45%
- HSBC Overnight Fund - Direct GrowthDebt Scheme - Overnight Fundup to 80%
- HSBC Overnight Fund - Unclaimed IDCW Above three yearsDebt Scheme - Overnight Fundup to 80%
- HSBC Overnight Fund - Unclaimed IDCW Below three yearsDebt Scheme - Overnight Fundup to 80%
- HSBC Overnight Fund - Unclaimed Redemption above three yearsDebt Scheme - Overnight Fundup to 80%
- HSBC Overnight Fund - Unclaimed Redemption Below three yearsDebt Scheme - Overnight Fundup to 80%
- HSBC Short Duration Fund - Direct GrowthDebt Scheme - Short Duration Fundup to 80%
- HSBC Small Cap Fund - Direct GrowthEquity Scheme - Small Cap Fundup to 45%
- HSBC Ultra Short Duration Fund - Direct GrowthDebt Scheme - Ultra Short Duration Fundup to 80%
- HSBC Value Fund - Direct GrowthEquity Scheme - Value Fundup to 45%
- ICICI Prudential Active Momentum Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Aggressive Hybrid Active FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential All Seasons Bond Fund - Direct Plan - GrowthDebt Scheme - Dynamic Bondup to 80%
- ICICI Prudential All Seasons Bond Fund - Premium Growth OptionDebt Scheme - Dynamic Bondup to 80%
- ICICI Prudential All Seasons Bond Fund Retail - Annual DividendDebt Scheme - Dynamic Bondup to 80%
- ICICI Prudential All Seasons Bond Fund Retail - CumulativeDebt Scheme - Dynamic Bondup to 80%
- ICICI Prudential Arbitrage Fund - Direct Plan - GrowthHybrid Scheme - Arbitrage Fundup to 50%
- ICICI Prudential Balanced Advantage Fund - Direct Plan - GrowthHybrid Scheme - Dynamic Asset Allocation or Balanced Advantageup to 50%
- ICICI Prudential Balanced Hybrid Fund - Direct Plan - GrowthHybrid Scheme - Balanced Hybrid Fundup to 50%
- ICICI Prudential Banking and Financial Services Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Banking and PSU Debt Fund - Direct Plan - GrowthDebt Scheme - Banking and PSU Fundup to 80%
- ICICI Prudential Banking and PSU Debt Fund Retail GrowthDebt Scheme - Banking and PSU Fundup to 80%
- ICICI Prudential BHARAT 22 FOF - Direct Plan Cumulative OptionOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Bharat Consumption Fund - Direct Plan - Growth OptionEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Blended Plan A-Direct Plan - GrowthGrowthup to 45%
- ICICI Prudential Blended Plan B - Direct Plan - Growth Option - IIncomeup to 45%
- ICICI Prudential Bluechip Fund - Institutional Option - I - GrowthEquity Scheme - Large Cap Fundup to 45%
- ICICI Prudential Bond Fund - Direct Plan - GrowthDebt Scheme - Medium to Long Duration Fundup to 80%
- ICICI Prudential Bond Fund- Institutional GrowthDebt Scheme - Medium to Long Duration Fundup to 80%
- ICICI Prudential BSE 500 ETFOther Scheme - Other ETFsup to 45%
- ICICI Prudential BSE 500 ETF FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential BSE Liquid Rate ETF - GrowthOther Scheme - Other ETFsup to 45%
- ICICI Prudential BSE Midcap Select ETFOther Scheme - Other ETFsup to 45%
- ICICI Prudential BSE Sensex ETFOther Scheme - Other ETFsup to 45%
- ICICI Prudential BSE Sensex Index Fund - Direct Plan - Cumulative OptionOther Scheme - Index Fundsup to 45%
- ICICI Prudential BSE Sensex Index Fund - Direct Plan - IDCW OptionOther Scheme - Index Fundsup to 45%
- ICICI Prudential Business Cycle Fund Direct Plan GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Child Care Plan Study - Direct Plan- CumulativeIncomeup to 45%
- ICICI Prudential Children's Fund - Direct PlanSolution Oriented Scheme - Childrenâs Fundup to 45%
- ICICI Prudential Commodities Fund - Direct Plan - Growth OptionEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Conglomerate Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - GrowthDebt Scheme - Gilt Fund with 10 year constant durationup to 80%
- ICICI Prudential Corporate Bond Fund - Direct Plan - Fortnightly IDCWDebt Scheme - Corporate Bond Fundup to 80%
- ICICI Prudential Corporate Bond Fund - Direct Plan - GrowthDebt Scheme - Corporate Bond Fundup to 80%
- ICICI Prudential Corporate Bond Fund - Premium Daily DividendDebt Scheme - Corporate Bond Fundup to 80%
- ICICI Prudential Corporate Bond Fund Retail Fort Nightly DividendDebt Scheme - Corporate Bond Fundup to 80%
- ICICI Prudential Corporate Bond Fund Retail GrowthDebt Scheme - Corporate Bond Fundup to 80%
- ICICI Prudential Credit Risk Fund - Direct Plan - GrowthDebt Scheme - Credit Risk Fundup to 80%
- ICICI Prudential CRISIL-IBX AAA Bond Financial Services Index -Dec 2026 Fund- Direct Plan - GrowthOther Scheme - Index Fundsup to 45%
- ICICI Prudential CRISIL-IBX Financial Services 3-6 Months Debt Index Fund - Direct Plan - GrowthOther Scheme - Index Fundsup to 45%
- ICICI Prudential Diversified Debt Strategy Active FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Diversified Equity All Cap Active FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Diversified Equity All Cap Omni FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Dividend Yield Equity Fund Direct Plan Growth OptionEquity Scheme - Dividend Yield Fundup to 45%
- ICICI Prudential Dynamic Asset Allocation Active FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Dynamic Bond Fund - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Dynamic Bond Fund - Premium Plus GrowthIncomeup to 45%
- ICICI Prudential ELSS Tax Saver Fund - Direct Plan - GrowthEquity Scheme - ELSSup to 45%
- ICICI PRUDENTIAL ENERGY OPPORTUNITIES FUND - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Equity - Arbitrage Fund-Institutional Growth OptionHybrid Scheme - Arbitrage Fundup to 50%
- ICICI Prudential Equity & Debt Fund - Direct Plan - GrowthHybrid Scheme - Aggressive Hybrid Fundup to 50%
- ICICI Prudential Equity Arbitrage Fund - Direct Plan BonusHybrid Scheme - Arbitrage Fundup to 50%
- ICICI Prudential Equity Minimum Variance Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative optionHybrid Scheme - Equity Savingsup to 45%
- ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCWHybrid Scheme - Equity Savingsup to 45%
- ICICI Prudential ESG Exclusionary Strategy Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Exports & Services Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Flexicap Fund - Direct Plan - GrowthEquity Scheme - Flexi Cap Fundup to 45%
- ICICI Prudential Floating Interest Fund - Direct Plan - Fortnightly IDCWDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund - Direct Plan - GrowthDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund - Direct Plan - IDCW OthersDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan A - Fortnightly DividendDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan A - GrowthDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan B - Fortnightly DividendDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan B - GrowthDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan C - Dividend DailyDebt Scheme - Floater Fundup to 80%
- ICICI Prudential Floating Interest Fund Plan C - Fortnightly DividendDebt Scheme - Floater Fundup to 80%
- ICICI Prudential FMCG Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Focused Equity Fund - Direct Plan - GrowthEquity Scheme - Focused Fundup to 45%
- ICICI Prudential Gilt Fund - Direct Plan - GrowthDebt Scheme - Gilt Fundup to 80%
- ICICI Prudential Gilt Fund Investment Plan PF Option - Direct Plan -Growth OptionGiltup to 45%
- ICICI Prudential Gilt Fund Treasury Plan PF Option - Direct Plan -Growth OptionGiltup to 45%
- ICICI Prudential Gilt Investment PF Option - Direct Plan BonusGiltup to 45%
- ICICI Prudential Gilt Treasury PF Option - BonusGiltup to 45%
- ICICI Prudential Global Advantage Fund (FOF) - Direct Plan - Growth OptionOther Scheme - FoF Domesticup to 45%
- ICICI Prudential Global Stable Equity Fund (FOF) - Direct - GrowthOther Scheme - FoF Overseasup to 45%
- ICICI Prudential Gold ETFOther Scheme - Gold ETFup to 45%
- ICICI Prudential Gold ETF FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND - Direct Plan GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Income plus Arbitrage Omni FOF - Direct Plan - GrowthOther Scheme - FoF Domesticup to 45%
- ICICI Prudential India Opportunities Fund - Direct Plan - Cumulative OptionEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential India Opportunities Fund - Direct Plan - IDCW OptionEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Infrastructure Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Innovation Fund - Direct Plan - GrowthEquity Scheme - Sectoral/ Thematicup to 45%
- ICICI Prudential Interval Fund - Annual Interval Plan I - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund - Annual Interval Plan II - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund - Annual Interval Plan III - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund - Annual Interval Plan IV - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund - Series VI - Annual Interval Plan - A - Direct Plan - CumulativeIncomeup to 45%
- ICICI Prudential Interval Fund - Series VI - Annual Interval Plan - A - Direct Plan - DividendIncomeup to 45%
- ICICI Prudential Interval Fund - Series VI - Annual Interval Plan - C - Direct Plan - CumulativeIncomeup to 45%
- ICICI Prudential Interval Fund - Series VI - Annual Interval Plan - D - Direct Plan - CumulativeIncomeup to 45%
- ICICI Prudential Interval Fund - Series VI - Annual Interval Plan - D - Direct Plan - DividendIncomeup to 45%
- ICICI Prudential Interval Fund - Series VII - Annual Interval Plan - C - Direct Plan - CumulativeIncomeup to 45%
- ICICI Prudential Interval Fund - Series VII - Annual Interval Plan - C - DividendIncomeup to 45%
- ICICI Prudential Interval Fund Annual Interval Plan I - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund Annual Interval Plan II - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund Annual Interval Plan III - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund Annual Interval Plan IV - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II - Quarterly Interval Plan A - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II - Quarterly Interval Plan B - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II - Quarterly Interval Plan C - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II - Quarterly Interval Plan D - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II - Quarterly Interval Plan F - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan A - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan B - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan C - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan C- Institutional Quarterly Dividend PayoutIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan D - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund II Quarterly Interval Plan F - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund III Quarterly Interval - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund IV - Quarterly Interval Plan B - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund IV Quarterly Interval Plan B - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund Quarterly Interval Plan - 1 Retail Quarterly Dividend PayoutIncomeup to 45%
- ICICI Prudential Interval Fund Quarterly Interval Plan 1 - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Interval Fund V - Monthly Interval Plan A - Retail GrowthIncomeup to 45%
- ICICI Prudential Interval Fund V Monthly Interval Plan A - Direct Plan - GrowthIncomeup to 45%
- ICICI Prudential Large & Mid Cap Fund - Direct Plan - GrowthEquity Scheme - Large & Mid Cap Fundup to 45%
- ICICI Prudential Large Cap Fund (erstwhile Bluechip Fund) - Direct Plan - GrowthEquity Scheme - Large Cap Fundup to 45%
- ICICI Prudential Liquid Fund - Direct Plan - IDCW OthersDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Direct Plan - GrowthDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Institutional - Daily - DivDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Institutional Option - IDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Unclaimed IDCWDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Unclaimed IDCW Investor EducationDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Unclaimed RedemptionDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund - Unclaimed Redemption Investor EducationDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Fund Retail GrowthDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Institutional Fund - GrowthDebt Scheme - Liquid Fundup to 80%
- ICICI Prudential Liquid Institutional Plus Fund - Div - DailyDebt Scheme - Liquid Fundup to 80%