u/Badsharishit

Genuine question.

I spend about 40-50K a month on regular stuff — groceries, fuel, rent, bills, subscriptions, dining out. Normal life.

My options right now:

→ Bank balance (runs low by the 20th every month)

→ Credit card (convenient until you miss one full payment — then 36-42% APR kicks in)

→ Instant loan apps (half reject you, or have a very strict repayment policy charge 18-24%)

Meanwhile I have 5-7L sitting in mutual funds Growing every day. But completely useless for daily spending unless I sell them

What if there existed a type of credit like:

An on-demand UPI credit line that's just backed by the mutual funds you already own.

→ You don't sell your investments. You just pledge them as collateral.

→ Your funds keep growing at 12-15% in the background.

→ You instantly get a UPI credit limit to scan and pay anywhere.

→ 30-45 days interest-free to pay back — exactly like a credit card or Convert to EMI at ~12% p.a.

→ No CIBIL needed. Your portfolio IS your credit score.

Not an emergency loan. Not a LAMF that sends money to your bank account and takes hours.

Just everyday scan-and-pay funded by your own wealth

Does anything like this exist for retail investors? It feels like we are punishing people for saving their money instead of spending it.

Genuine question.

I spend about 40-50K a month on regular stuff — groceries, fuel, rent, bills, subscriptions, dining out. Normal life.

My options right now:

→ Bank balance (runs low by the 20th every month)

→ Credit card (convenient until you miss one full payment — then 36-42% APR kicks in)

→ Instant loan apps (half reject you, or have a very strict repayment policy charge 18-24%)

Meanwhile I have 2-5L sitting in mutual funds Growing every day. But completely useless for daily spending unless I sell them

What if there existed a type of credit like:

An on-demand UPI credit line that's just backed by the mutual funds you already own.

→ You don't sell your investments. You just pledge them as collateral.

→ Your funds keep growing at 12-15% in the background.

→ You instantly get a UPI credit limit to scan and pay anywhere.

→ 30-45 days interest-free to pay back — exactly like a credit card or Convert to EMI at ~12% p.a.

→ No CIBIL needed. Your portfolio IS your credit score.

Not an emergency loan. Not a LAMF that sends money to your bank account and takes hours.

Just everyday scan-and-pay funded by your own wealth

Does anything like this exist for retail investors? It feels like we are punishing people for saving their money instead of spending it.

The idea: you have MFs sitting in Groww/Zerodha doing 12-15%CAGR. But when you need cash, you either break your SIP or use a credit card at revolving credit 36-42% APR.

Zero ways to spend it without selling. We're changing that.

LienPay lets you pledge your MFs (not sell) and get a UPI credit line.

EXAMPLE

• ₹3L in MFs → ₹1.5L credit line(~50% loan-to-value)

• Scan any QR, pay via UPI

• 30 days interest-free

• Convert EMI @ 12% p.a. after that

• No CIBIL needed

Working Demo link :- https://lienpay-mock.vercel.app/onboarding-demo

Would you use this?