Only 54% of retail money in India remained invested in equity mutual funds for more than two years in 2020, as investors redeem for various reasons. However, fintech platforms such as VoltMoney and Mirae Asset Financial Services are working to change this by offering loans against mutual fund units, providing short-term liquidity while allowing investments to continue growing. This approach circumvents capital gains tax, exit load charges, and unfavourable market timing, offering a versatile solution for various financial needs. However, experts caution that borrowing against MF holdings should be done strategically and with careful consideration of the risks involved.