Get instant cash.
Your mutual funds stay invested.
A loan against your mutual funds in under 5 minutes. From 9.89% p.a. Pay interest only on what you use, your investments keep compounding.
Built on the rails India already trusts
Why Lark Money
Credit that works at the
speed of your life.
Eight things we got right. Zero compromise on your investments.
The Dilemma
Why do investors sell?
Life happens. And when it does, most investors break their wealth. There's a better way.
Sell your investments.
Break compounding. Pay tax. Reset your journey.
- Break long-term compounding
- Trigger capital gains tax
- Miss the next market rally
Borrow against them.
Keep compounding. Zero tax. Stay invested.
- Keep compounding wealth
- Zero capital gains tax
- Pay interest only when used
8 steps. 5 minutes.
Scroll through each step and watch the product respond in real time.
Log in securely
Sign in with your mobile. OTP verified in 10 seconds.
Fetch eligibility
Real-time portfolio sync from CAMS & KFintech.
Choose your lender
Compare live offers from RBI-regulated lenders.
Complete eKYC
Aadhaar-based eKYC. Fully paperless and instant.
Pledge mutual funds
Securely mark a lien, units stay invested.
Link bank account
Penny-drop verified disbursement account.
E-sign agreement
Aadhaar OTP-based signature. Legally binding.
Credit line live
Withdraw any amount, anytime. Pay interest on usage.
OTP sent to +91 ••••• 4521
OTP sent to +91 ••••• 4521
One portfolio.
Multiple lenders competing.
Every lender is RBI-regulated. Every offer is real-time. Every decision is yours.
Everything in
one place.
Withdraw, repay, track every rupee. Boost your limit the moment your funds grow. Close it all with one tap, never a penalty. Your money, fully in your hands.
Withdraw & repay anytime
UPI, IMPS, NEFT, settled in seconds.
Full transaction history
Every draw, interest accrual, repayment, itemised.
1-click limit enhancement
MFs grew? Tap once. New limit reflects instantly.
Instant foreclosure, ₹0 charges
Close any day. No penalty, no paperwork.
Lark Money Dashboard
Priya Sharma
Available credit
₹8,72,300
Quick amount
Portfolio
+₹42,160 today
Your fund is almost
certainly already approved.
42 AMCs. 12,400+ approved folios. Up to 80% LTV from 9.89% p.a. Check eligibility in 15 seconds, zero impact on your CIBIL.
Fund houses live on Lark Money
No CIBIL hit · No income proof · No employment check
Live Simulator
See your credit line.
Drag the sliders. Watch the magic happen on screen.
Eligible credit
₹6.40 L
Monthly interest
₹5.3 K
Indicative @ 9.89% p.a. Final rates by lender.
Your Holdings
Multi-Lender Scan
Starting…Checking eligibility…
50,000 Indian investors chose to stay invested.
Not sell a single unit.
From Mumbai to Bengaluru, Delhi to Chennai, smart investors are unlocking liquidity without disturbing their long-term wealth. Because your SIPs deserve to keep compounding.
"I needed ₹5 lakhs urgently. Lark Money let me keep my SIPs running while I got the money in 2 minutes. My ELSS stayed locked in, my dreams stayed funded."
Vikram Mehta
IT Consultant · Mumbai
"I was about to redeem my mutual funds for my sister's wedding. Lark Money gave me a credit line instead. My ₹12 lakh portfolio is still growing."
Ananya Krishnan
Product Manager · Bengaluru
"Used Lark Money to fund working capital for my store. Zero paperwork. Zero anxiety. My equity funds are still beating the market."
Rajiv Sharma
Business Owner · Delhi
Got questions?
We've got answers.
A Loan Against Mutual Funds (LAMF) is a credit line where your mutual fund portfolio serves as collateral. Your units are pledged,not sold. You continue earning returns on your investments while accessing funds whenever you need them. Think of it as unlocking the value of your portfolio without disturbing your long-term wealth plan.
Don't sell.
Just Lark Money.
Open your credit line in 5 minutes. Borrow only what you need. Keep every unit invested. Your future self will thank you.