Support & FAQs

1Fi is the world's first mutual fund-backed no-cost EMI platform, letting you shop at partner stores at 0% interest.

Yes. 1Fi works with SEBI-approved RTAs for pledging and RBI-regulated lending partners for loans.

No. It is a secured purchase-limit loan backed by pledged mutual fund units.

Loans are provided by RBI-regulated lending partners and 1Fi acts as the digital lending application/LSP.

You need PAN, Aadhaar OTP, and eligible mutual fund holdings. We do not check your CIBIL score.

No, we don't ask for income proof to avail a loan, your limit depends only on eligible mutual fund value.

No, checking your limit does not affect your credit score. Actual loan drawdowns may be reported as per lender policy.

Your purchase limit is calculated daily using the latest NAV, eligible schemes, applicable LTV, and lender credit policy.

Equity, debt, and hybrid schemes are eligible. You can check eligibility anytime in the 1Fi app.

No. Your SIPs and unpledged portfolio stay unaffected; only selected units get lien-marked.

No. Your units stay invested even after pledging and will continue to earn returns.

Yes. Pledged units remain invested and may continue earning market returns or dividends.

Your limit may reduce and impact the Loan-to-Value (LTV) ratio, so you may need to pledge more units or make a partial prepayment.

In the event of a payment default, if the EMI or shortfall amount remains unpaid despite repeated reminders, certain units may be sold to maintain the Loan-to-Value (LTV) ratio as per RBI guidelines.

No physical documents are required. You only need eligible mutual fund units, PAN, and Aadhaar.