Credit against mutual funds
Get a RuPay Credit Card Against Your Mutual Funds
Spend without selling a single unit. Pledge your mutual funds, get a RuPay credit card on UPI with a limit up to 80% of your portfolio (capped at ₹5,00,000), and let your investments keep compounding — no redemption, no broken SIPs.
Join the WaitlistSearch any of 9,500+ mutual fund schemes to see the card limit each supports, or browse the full list.
How it works
- 1
Fetch your portfolio
Connect digitally and we pull your mutual fund holdings from CAMS and KFintech in seconds — no paperwork, no branch visits.
- 2
Mark the lien
Approve a digital lien on the units you choose. You keep 100% ownership and your money stays invested in the market.
- 3
Digital card issuance
Your RuPay credit card is issued digitally with a limit based on your pledged value, ready to link to UPI and scan-and-pay anywhere.
PiFi vs. a normal credit card vs. traditional LAMF
| Feature | PiFi Credit Card | Normal Credit Card | Traditional LAMF |
|---|---|---|---|
| Interest-free period | Up to 45 days | Up to 45 days | |
| Revolving credit | |||
| UPI rewards | Limited | ||
| Backed by your investments | |||
| Interest charged from day one | |||
| Limit linked to portfolio value | Up to 80%, max ₹5,00,000 | Income-based | Up to 50% |
| Interest rate | 0% for up to 45 days, then 12% p.a. | 36–48% p.a. on revolving balance | 10–12% p.a. from day one |
Frequently asked questions
What is a credit card against mutual funds?
It is a RuPay credit card whose limit is backed by a digital lien on your mutual fund units. You spend on the card via UPI while your units stay invested and continue to compound.
Do I have to sell my mutual funds?
No. Your units are marked, not redeemed. They stay invested in your name and you keep full ownership of your portfolio.
How exactly is my credit limit calculated?
Your card limit is a share of your eligible mutual fund value, and the share depends on what you hold — up to 45% on equity and index schemes, 50% on hybrid, and 80% on debt and liquid — subject to a cap of ₹5,00,000. ₹2,00,000 of an equity scheme at 45% gives a limit of ₹90,000; the same amount in a debt scheme at 80% gives ₹1,60,000. Hold ₹50,00,000 worth and the limit is capped at ₹5,00,000. The cap keeps card utilisation responsible while still giving you spending power on day one.
How is this different from borrowing against my funds?
Borrowing against your units hands you a lump sum and starts charging interest from day one, whether you spend it or not. PiFi is a credit card: you get a limit, you spend what you need on UPI, and you pay nothing on anything you clear within the billing cycle. Plus card rewards.
Your mutual funds just got a credit card
No income proof. Works on UPI. Your units stay invested.
