This company provides digital-first solutions for the Loan Against Securities (LAS) market, serving both investors and lenders. For investors, it offers instant digital loans against mutual funds and stocks without asset liquidation. Lenders utilize its scalable platform featuring Loan Origination, Collateral Management, and Risk Management systems for efficient secured credit operations.
Funding
$550K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
NGFounders
Product
Problem
Investors often need quick access to funds without liquidating their mutual fund or stock portfolios, but traditional loan processes involve lengthy paperwork, credit score requirements, and significant delays. This creates a barrier for investors who need immediate liquidity while wanting to maintain their investment growth.
Solution
50Fin provides a fully digital platform for securing instant loans against mutual funds and stocks, enabling users to access funds up to ₹5 crore by pledging their investment portfolios as collateral. The platform offers competitive interest rates and disburses loans within four working hours, eliminating the need for minimum credit scores or extensive documentation. By digitally pledging mutual fund units or stocks, investors can continue earning returns on their investments while meeting their immediate financial needs. The process is completed in a few clicks, offering a fast, simple, and secure way to unlock liquidity without disrupting long-term investment strategies.
Target Audience
The primary target audience includes retail investors aged 18 to 65 who hold mutual fund or stock portfolios and require immediate access to funds without selling their investments.
Features
- 100% digital loan application and approval process
- Loan disbursal within 4 working hours
- No minimum CIBIL score required
- Competitive interest rates starting from 10.25% per annum
- Zero pre-closure charges
- Supports a wide range of mutual funds and stocks
- Digital pledging of mutual fund units with CAMS and KFintech
- Flexible repayment options
- Mobile app for loan tracking and management