PhonePe 
connects you with 
trusted lending partners offering secured loans. Enjoy a completely 
digital application process, competitive rates, and manage everything easily 
on your phone.
Unlock the Value in your Assets
MUTUAL FUNDS
MUTUAL FUNDS
PARTNERS
Loan Against
Mutual Funds
Mutual Funds
Gold Loan
Bike Loan
Loan Against
Your Car
Your Car
Loan Against
Mutual Funds
Access Cash, Keep Your Investments Intact
Access Cash, Keep Your Investments Intact
Overview
Get a credit line against your mutual fund investments without selling them. The loan amount you get is based on the Net Asset Value (NAV) of your mutual fund units.
Loan Amount
Get up to 80% for debt funds and up to 45% for equity funds.
Continued Growth
Your investments remain intact and continue to earn returns.
Seamless Withdrawals
Access funds as needed, paying interest only on the utilised amount.
Why choose PhonePe?
Completely Digital
Fast approval & disbursals directly via the PhonePe app.
Quick Disbursals
Access funds quickly, disbursed against the approved credit limit.
Pay Only For What You Use
Interest is charged only on the amount withdrawn, not the entire limit.
No Credit Score Required
Your investment or Portfolio acts as security.
Lower Interest Rates
Enjoy industry-leading competitive interest rates.
Wide Coverage
Loans available against both equity and debt mutual funds.
What happens to your funds?
Stay Invested
Your pledged funds remain invested and can continue to grow based on market performance.
No Selling Needed
Simply repay the loan to unpledge your funds.
Earn Returns
You continue to earn potential returns/dividends on your investments.
Who should consider this?
Investors who need short-term funds without disturbing long-term goals.
Business owners seeking working capital at competitive rates.
Individuals facing emergencies who prefer not to liquidate their investments.
Gold Loan
Borrow Against Your Gold Jewellery
Borrow Against Your Gold Jewellery
Overview
Get quick funds by pledging your gold jewellery with trusted partners, safely and securely.
Why choose PhonePe?
Quick & Easy Process
Apply digitally, connect with lenders easily.
Wide Lender Network
Access various lenders with branches pan-India.
Competitive Low-Interest Rates
Benefit from affordable rates due to the secured nature.
Minimal Documentation
Hassle-free application with basic requirements.
No Credit Check Required
Your gold is the primary security.
Secure Storage
Lenders ensure your pledged gold is stored safely in vaults.
Easy Release
Repay the loan anytime to get your gold back.
Who should consider this?
Anyone needing immediate funds for emergencies or opportunities.
Individuals with limited or no credit history.
Those wanting to leverage gold value without selling cherished items.
Small business owners needing quick capital infusion.
People looking for flexible short-term financing.
New Bike Loan
Ride Home Your Dream Bike Today
Ride Home Your Dream Bike Today
Overview
Finance your brand-new two-wheeler purchase through PhonePe, paying in easy EMIs instead of a large lump sum upfront.
Why choose PhonePe?
Easy & Fast Approval
Simplified application process for quicker loan sanctions.
Flexible Choices
Choose loan amounts and repayment tenures that suit your budget.
Competitive Rates & Low Fees
Benefit from attractive interest rates and minimal processing charges.
Lowest Down Payment Options
Start riding with minimal initial out-of-pocket expense.
Accessible Financing
Options available even for individuals with limited credit history.
Who should consider this?
First-time bike buyers.
Individuals seeking convenient financing for a two-wheeler.
Students or young professionals needing a commuting solution.
Anyone preferring EMIs over a lump-sum payment.
Loan Against
Your Car
Get Money, Keep Your Ride
Get Money, Keep Your Ride
Overview
Unlock the equity in your existing car or bike with a flexible loan.
Why choose PhonePe?
Quick Approval & Disbursal
Fast processing to get funds when you need them.
High Loan Value
Get flexible loan amounts, potentially up to 150% of your cars assessed value.
Competitive Offers
Access a wide range of lenders offering attractive interest rates and flexible repayment terms.
Retain Ownership & Usage
Your car remains with you for daily use, even though its pledged to the lender.
Who should consider this?
Car owners needing funds for personal or business expenses.
Individuals looking for higher loan amounts than unsecured options.
Those who need access to cash but rely on their car for daily transport.
