EveryInvestmentAccountDeservesaCreditLine
Lark Finserv enables digital loans against Mutual Funds and other financial securities.
Stay invested, Stay Liquid.
For investors
Apply on the Lark Money app and unlock liquidity on demand.
For wealth firms and advisors
Embed Lark's LAS OS credit infrastructure via API into your own platform.
Application Steps
HelpVerify Email
Verify your email address.
Fetch Portfolio (PAN)
Enter your PAN to find mutual funds.
Verify Ownership
Enter OTP sent to your mobile.
View Loan Offers
See what you are eligible for.
Swipe to see more
Powered by RBI-regulated lending partners
One ecosystem.
Five products.
Everything it takes to run lending against securities, in one place: a consumer app, white-label custody, enterprise APIs, the lender rails underneath and the partner distribution on top.
Built for wealth managers, distributors, RIAs and regulated lenders.
- Regulated, SEBI-compliant custody & pledge flows
- Multiple RBI-regulated lenders on a single API
- Enterprise-grade infra with 99.99% uptime SLA
- Deploy your own branded LAS business in weeks
Instant credit against your portfolio. Your money stays invested.
Pledge in 2 minutes
Link your holdings, pledge digitally with a single OTP. No paperwork, ever.
Credit limit unlocked instantly
Get a credit line up to 80% of your portfolio value, live in your app.
Withdraw anytime, repay anytime
Pay interest only on what you use. Repay in parts. Zero prepayment penalties.
Scan todownload
The complete platform to run a LAMF & LAS business.
Wealth Managers, Wealth Techs, Stock Brokers, MFDs, IFAs and NBFCs launch their own Loan Against Mutual Fund and Loan Against Securities offering on Lark. Your partner portal is where you track it all: customers, earnings, activity and conversion, in one place.
Overview
Dashboard
Your whole business in one snapshot: who logged in today, how many eligibility checks ran, how many loans closed, and how much of your clients' portfolio is still unlocked.
- Today's logins, checks & completed loans
- Sanctioned vs utilised OD, live
- Quick actions: add customer, check eligibility
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Partners live
₹0 Cr+
AUM facilitated
0+
Lender integrations
0%
Digital pledge
Cheaper than a loan.
Safer than selling.
A credit line against what you already own, compared honestly with every other way to raise ₹5 lakh.
10 min
credit in
9.9%
p.a. onwards
~50%
average LTV
₹0
prepayment penalty
| Raising ₹5,00,000 | Lark LAMF | Personal loan | Credit card | Selling your MFs |
|---|---|---|---|---|
| Interest rate | 9.9% p.a. onwards | 14–24% p.a. | 36–42% p.a. | n/a |
| Money in hand | 10 minutes | 2–7 days | Instant | T+3 days |
| Interest charged on | Only what you use | Full amount | Full outstanding | n/a |
| Capital gains tax | ₹0 | ₹0 | ₹0 | LTCG applies |
| Investments stay invested | Yes | n/a | n/a | No |
| Prepayment penalty | ₹0 | Often 2–4% | n/a | n/a |
Personal loan and credit card rates are typical market ranges and vary by issuer and profile. Lark's LTV is set by each lender; ~50% is the average across partners.
You pledge
Pick the funds you want to pledge in the app.
Lien is marked
CAMS / KFintech mark a lien on those units. Nothing is sold.
You stay the owner
Units remain in your folio. NAV moves, SIPs and dividends continue.
You repay, lien lifts
Repay and the lien is released. Lark never holds your units.
Trusted by partners
Leading financial institutions and fintech companies rely on our infrastructure to power their loan against securities offerings.