Access instant cash by taking loans against your mutual fund and stock investments without selling them. Enjoy flexible credit lines, competitive interest rates, and a fully digital, secure process.
7.74.0
October 1, 2026
Performance improvements and bug fixes for a smoother experience.
creditcase is a digital lending app that allows users to obtain loans against their mutual fund and stock investments. It offers a way to access funds without selling your assets, with loans disbursed quickly and securely.
Loans against mutual funds can be disbursed in as little as 2 hours, while loans against stocks can be disbursed within 24 hours. The process is fully digital and aims for rapid approval and fund transfer.
Interest rates start at 10.25% per annum for loans against mutual funds. The maximum Annual Percentage Rate (APR) is 13%. An example shows an APR of 11.33% for a specific loan scenario.
Yes, creditcase allows you to stay invested. Your mutual fund units remain invested and continue to earn returns, and you can continue investing in SIPs. For stocks, you retain ownership and can still receive dividends and bonuses.
creditcase advertises no foreclosure charges, meaning you can close your loan early without penalties. The example provided shows a processing fee and GST, but no other hidden charges are mentioned.
The app is described as fully digital and secure, utilizing best-in-class encryption. Checking your credit limit does not affect your credit score, and loans are provided by RBI-regulated NBFC and Bank partners.
Yes, creditcase contains advertisements. As a free-to-download app, it utilizes ads to support its services.
The loan tenure is up to 36 months for both mutual fund and stock loans. You can borrow up to ₹5 crore against approved stocks and ETFs, with loan-to-value ratios of up to 50% for stocks and up to 80% for debt mutual funds.
