Loading...
Live — lender of record is an RBI-registered NBFC
Loans against mutual fundsLaunched on your platform in days
Units are pledged, not sold
Instant credit against your users’ mutual funds — without redeeming a single unit. One SDK covers the whole product: limit, pledge, KYC, disbursal, dashboard and repayment.
Units are pledged, not sold. SIPs keep running and the upside stays with the user.
A limit in minutesUnits stay investedShips in your brand
₹2 CrCredit line per borrower · up to
80%LTV of eligible holdings · up to
9.5%*p.a. · indicative starting rate
MinutesFrom PAN to an active limit
One SDK99.95% uptime
Trust network
The embedded-finance layer India’s fintechs already trust.
One integration puts a lending product in front of millions — through the same distribution network already live on Blostem, and a regulated execution & custody stack behind it.
Bank & NBFC Partners
Fintech Partners
₹500 Cr+
in monthly bookings
30+
distribution partners
99.95%
platform uptime
Why users choose LAMF
Instant. Invested. Compliant. Best rates.
Instant
Limit in minutes
Link folios and see an eligible limit computed from live holdings — PAN to an active credit line in one sitting. No bureau pull to check eligibility.
Invested
Never liquidate
Units are pledged, not sold. SIPs keep running and every rupee of market upside stays the user’s — no exit load, no capital-gains hit.
Compliant
Digital lien via RTA
The lien is marked digitally through CAMS / KFintech / MFCentral. Fully compliant, transparently recorded, released the moment the loan is repaid.
Best rates
Pay only on what you use
A revolving line — interest accrues daily only on the drawn balance, not the sanctioned limit. Rates start at 9.5% p.a.* — far below a personal loan.
And on your side of the integration
White-label
Ships with your brand, colours and logo — zero Blostem chrome.
Funds never pooled
Lender disburses to the user’s bank; repayments go straight to the lender.
KFS + eSign in-app
RBI-mandated Key Fact Statement and agreement, signed inside the flow.
Revolving credit line
Draw, repay and redraw anytime; auto-pay handles monthly interest.
Safety & custody
Where your customer’s units and money sit.
The first question every risk and compliance team asks — answered upfront. Blostem is the orchestration layer; an RBI-registered NBFC is the lender of record, and the pledged units never leave the customer’s own folio.
Customer
In your app
Sees limit, pledges & draws in your branded flow.
Blostem SDK
Orchestration only
Limit · KYC · pledge · lien · status.
NBFC lender
RBI-registered
Lends, disburses & holds the loan.
RTA / AMC
CAMS · KFintech
Lien on units · stay in own folio.
Units stay in the customer’s folio
Holdings are pledged with a lien — never moved to a pool, never sold to fund the loan.
Lender of record is an NBFC
An RBI-registered NBFC underwrites and holds every loan; Blostem never lends off its own book.
Funds never touch Blostem
Disbursal flows lender → customer’s bank; repayment flows customer → lender. No LSP pool.
RBI-registered NBFC lenderLien via CAMS / KFintech / MFCentralUnits stay in own folioKFS + eSign · RBI-compliantAadhaar KYC · one sittingNo fund pooling
Product walkthrough
The core journey, end to end.
Get a limit
Use the line
Repay & release
Offer Reveal
Your personalized offer is ready
Calculated against your pledged mutual fund portfolio.
Your eligible loan amount
₹4,82,500
Withdraw anytime after activationHow is this amount calculated?
Offer Terms
Interest Rate10.5% p.a.
Max Tenure36 months
Processing FeeVariable + GST
Margin Pledge₹999 + GST
Dishonour Charge₹500
Portfolio ₹8,00,000
Blended LTV60%
Pledged Funds 7
01 · Instant limit
A limit in minutes, not days
The user arrives already signed in, links folios, and sees a limit read straight off live holdings. No bureau pull, no waiting — an offer in the first sitting.
- Eligible limit computed from live folio value
- No bureau pull just to see the offer
- Rate, tenure and charges stated before consent
01 / 8
How it compares
A better deal than the usual options.
When a user needs cash, these are the alternatives — and where a loan against mutual funds pulls ahead. From the borrower’s point of view.
Swipe to compare
| Capability | Redeem the MFs | Personal loan | Credit card | Blostem LAMF |
|---|---|---|---|---|
| Investments keep growing (no redemption) | Not supported | Supported | Supported | Supported |
| No exit load or capital-gains hit | Not supported | Supported | Supported | Supported |
| Interest only on what you actually use | Not supported | Not supported | Supported | Supported |
| Low, secured interest rate | Not supported | Not supported | Not supported | Supported |
| Flexible repayment — no fixed EMI lock | Supported | Not supported | Partial or via workaround | Supported |
| Limit from holdings, not just a bureau score | Supported | Not supported | Not supported | Supported |
| Fully in-app — no branch, no paperwork | Partial or via workaround | Partial or via workaround | Supported | Supported |
| Time to cash | T+1–3 days | 2–7 days | Instant | Minutes |
| Typical cost | Lost returns | 14–24% p.a. | 36–42% p.a. | from 9.5% p.a.* |
Native Partial / via workaround Not supported
Common questions
Loans against mutual funds, explained.
The eight questions product, risk and engineering teams raise most often when they first scope a LAMF integration.
Loans against mutual funds, embedded in your product.
Book a 30-minute technical fit call — we’ll walk your team through the SDK handoff, the pledge, lien and disbursal flow, and a launch plan tailored to your stack.
White-label · RBI-registered NBFC lenderUnits stay in the customer’s own folioNoida · Gurgaon · Delhi