What this is
Sometimes the right financial move is borrowing, not redeeming investments. Home loans, loan against mutual funds, education loans and personal loans through our network of bank and NBFC partners. We help you compare rates, negotiate terms, and structure the loan tax-efficiently.
- Home loans — rate comparison across 8+ banks, balance-transfer opportunities
- Loan against mutual funds — borrow without redeeming your portfolio
- Education loans for higher studies in India and abroad
- Personal loans — only when other options don't fit
- Tax planning around home-loan interest deduction (₹2L u/s 24)
FAQ
- What's a loan against mutual funds?
- You pledge your mutual fund units to a bank/NBFC and get an overdraft facility (typically 50-80% of NAV). You pay interest only on the amount drawn, and continue to earn returns on the pledged units — much cheaper than a personal loan and avoids capital gains tax from redemption.
- Should I prepay my home loan or invest more?
- Depends on your loan rate vs. expected investment return after tax. Home loan interest is partially tax-deductible (₹2L u/s 24); equity LTCG is taxed at 12.5% above ₹1.25L/yr. We'll model both paths and let the numbers decide.
- How is your loan service compensated?
- We earn a one-time DSA commission from the lender — same rate regardless of which bank you choose, so we pick the best rate for you, not for us.