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Loan against mutual funds calculator

Explore borrowing costs and what a fall in your collateral could mean under an assumed loan-to-value.

No signup or account connection. Inputs and results stay in this browser tab, without automatic saving or transmission.

01 / Your assumptions

Start with the numbers.

In this tab only

An example to get you started. Every assumption is editable.

Enter rupees without commas, with up to two decimal places. Range: 0 to 1,00,00,00,000.

The borrowing percentage you want to model. Actual lender margins and eligible units vary. Range: 1 to 100.

Enter rupees without commas, with up to two decimal places. Range: 0 to 1,00,00,00,000.

A hypothetical annual rate you can change, not a product quote. Range: 0 to 50.

Assumes the full amount remains outstanding for this whole period. Range: 1 to 120, whole numbers.

Stress-test a fall in collateral value. This is not a prediction. Range: 0 to 100.

Results update as you edit

02 / The bigger picture

Illustrative borrowing capacity

₹5,00,000

With the example assumptions shown. An estimate, not a promise.

Amount borrowed
₹4,00,000
Simple interest for the period
₹20,000
Principal + interest
₹4,20,000

If the portfolio falls by 30%

Stressed portfolio value
₹7,00,000
Capacity at the assumed LTV
₹3,50,000
Repayment to restore the assumed LTV
₹50,000

Accrued interest is excluded from this collateral test. A lender may require repayment or more collateral, or sell units. This is a stress scenario, not eligibility.

What this assumes

  • Illustrative capacity is portfolio value × assumed loan-to-value. This is not approved credit or an eligibility assessment.
  • Simple interest assumes the full borrowed amount stays outstanding. Fees, changing rates and accrued interest in the collateral test are excluded.
  • If collateral falls, a lender may require repayment or additional collateral, or sell units. Investment returns may not cover borrowing costs.

Currency is rounded to the nearest rupee for display. See the method and limits ↓

Understand what is behind the number.

Formula and worked example

Capacity = portfolio × LTV ÷ 100. Interest = borrowed amount × annual rate ÷ 100 × months ÷ 12. Stressed capacity = portfolio × (1 − decline ÷ 100) × LTV ÷ 100. Repayment to restore the assumed LTV = max(0, borrowed amount − stressed capacity).

₹10,00,000 of collateral at an assumed 50% LTV gives ₹5,00,000 of illustrative capacity. Borrowing ₹4,00,000 costs ₹20,000 simple interest over six months at 10%. A 30% portfolio fall reduces capacity to ₹3,50,000, leaving ₹50,000 to repay to restore the assumed LTV, excluding accrued interest.

Limits, assumptions and sources
  • Illustrative capacity is portfolio value × assumed loan-to-value. This is not approved credit or an eligibility assessment.
  • Simple interest assumes the full borrowed amount stays outstanding. Fees, changing rates and accrued interest in the collateral test are excluded.
  • If collateral falls, a lender may require repayment or additional collateral, or sell units. Investment returns may not cover borrowing costs.

Fields show the accepted input ranges. Results above ₹1 lakh crore are rejected. Limits are software modelling bounds, not recommendations or eligibility rules. Different compounding and contribution-timing conventions can produce different results in other calculators.

Methodology v1.0.0, reviewed as an educational scenario. Published 2026-10-30. Our sourcing and correction process.