Frequently Asked Questions

FAQarrow iconLoan against MFarrow iconMutual Funds Related
Mutual Funds Related
What happens to my Mutual Funds if the market crashes?

Per Regulatory Authorities, our lending partner restricts LTV (Loan To Value) to 50%. If the market suddenly falls and your LTV exceeds 50%, you can make prepayments to decrease the ratio. 

Let's say the markets crash and the value of your pledged Mutual Funds come drastically down. For example, you had pledged Mutual Funds worth ₹1,00,000 to get a ₹80,000 loan. Now, after the market crashes, your pledged Mutual Funds' value goes down to ₹50,000. Now, against ₹50,000, you'd have got a lesser loan amount but not ₹80,000. To cover this risk, a margin call happens where you have to pay an amount to bridge the gap. If you don't resolve the margin call, our lending partner may sell your pledged Mutual Funds partially valued at your outstanding balance.

Fi partners with the best to secure your money

Federal Bank
VISA
NPCI
PCI
EPIFI WEALTH
ISO 27001:2022
Our partner bank hosts your Savings Account and follows all security standards per applicable regulations.
Your money is always safe with our banking partner - Federal Bank, is covered under the Deposit Insurance and Credit Guarantee Corporation Scheme. This insures your money up to ₹5 lakh.
Fi itself is not a bank and doesn’t hold or claim to have a banking license.
Scan QR to get the Fi app