Credit card
The most expensive, yes
36% p.a.*
Personal loan
Needs CIBIL + paperwork
14-42% p.a.*
-- vs --
BlinkMoney
Access instant cash
9.99% p.a.*
Same loan. Half the rate.
Stop paying 36% on credit cards. Borrow against your own portfolio.
*Historical 5 year returns
Need cash?
Ask your portfolio.
Your investments already have the money.
Just tap once to make it yours.
*Historical 5 year returns
₹50,000 borrowed.But nothing sold.
Cash in the bank. Portfolio still compounding.
*Historical 5 year returns
The investment app thatlets you use your money today
Access cash against your investments @ 9.99% p.a.*
No selling. No paperwork. Cash in minutes.
*Historical 5 year returns
✦ Grow ✦ Borrow ✦ Still Grow
Your investments keep compounding, even when you borrow against them.
*Historical 5 year returns
*T&C apply
ICICI PRUDENTIAL mutual fund
DSP FINANCE
Axis mutual fund
ONDC
SBI MUTUAL FUND
MF CentrAL
South Indian bank
Interest rate
9.99% p.a.*
No EMI, pay-only interest
No credit score check
No tax load
Investments stay invested & growing
Money in your account in minutes
Zero foreclosure charges
Zero selling. Zero tax. Zero regret.
Funds stay invested, keep earning. We don't redeem, we pledge your investments.
No credit score. No salary slips.
Your portfolio is your proof. No income verification, no paperwork.
Pay only for what you pull.
Interest runs only on what you actually withdraw.
Pledge to payout in minutes.
No branch, no queue, no paperwork. Fully digital, instant disbursal.
*T&C apply
REALITY CHECK
What people actually do
when they need money fast
Spoiler: none of these are good for your wealth.
Lost compounding
Sell their investments
Built for years. Sold in a panic. Short-term decisions cost long-term wealth.
Penalty charges
Break their FD early
3 months of interest gone as penalty. You paid the bank to access your own money.
36% interest
Swipe the credit card
Credit cards offer convenience but often lead to overspending, high-interest debt, late fees, annual charges.
14-42% interest
Take a personal loan
Salary slips. Credit checks. Days of waiting. 14–42% p.a.. Approval not guaranteed.
Short-term needs shouldn't hurt long-term wealth
*T&C apply
Run the numbers
Your investments have a hidden superpower
Slide to see how much you can withdraw, what it costs, and what you still earn simultaneously.
Current investment value
₹50K
₹2Cr
Amount you need
₹10K
₹5L
Portfolio value after 5 years
₹10.06 L
Borrow against funds
₹6.03 L
Sell your funds
You keep ₹3.42 L more by borrowing
With borrowing
₹10.06 L
With selling
₹6.03 L
Loan interest cost
₹60K
Your advantage
₹3.42 L
Assumes ~15% p.a.* returns · 9.99% LAMF interest · 5-yr investment · 3-yr loan
Borrow against your funds →*T&C apply
Run the numbers
How much will yourloan really cost?
See what you pay across different borrowing options
I need
₹10 K
₹50 L
For
1 yrs
10 yrs
Blink Cash
Interest only · principal at end
Total you pay
₹1.3 L
Monthly payment
₹833
Interest paid
₹29,970
You save vs CC
₹13.0 L
Best deal
Personal Loan
Equal EMIs every month
Total you pay
₹1.3 L
Monthly payment
₹3,716
Interest paid
₹33,789
You save vs CC
₹0
Credit Card
Equal EMIs every month
Total you pay
₹14.3 L
Monthly payment
₹3,000
Interest paid
₹13.9 L
You save vs CC
₹0
Blink Cash @ 9.99% p.a.* (interest-only) · Personal Loan @ 20% p.a. reducing · Credit Card @ 36% p.a. with 3% min payments.
*T&C apply
THE BLINKMONEY FIX
Instead of selling, just get credit against it.
Your portfolio doesn't have to choose. With BlinkMoney, it does both.
BLINKMONEY
Pers. loan
Cr. Card
sell
Interest
9.99% p.a.
14-42% p.a.
36% p.a.
-
Credit score
No
Yes
Yes
No
Investments
Growing
Nill
Nill
Sold
Speed
Minutes
2-7 days
Instant
T+2
Tax
None
None
None
CG Tax
Paperwork
Zero
Salary slips
Salary slips
None
*T&C apply
Who It's For
If this sounds like you, it's built for you.
You've got investments. You've got life. Now you've got a way to not choose.
Tired of breaking your SIP
Every emergency kills another month of compounding. Stop pausing. Start pledging.
SIP pauser
Paying 36% p.a.* for convenience
Your card isn't cheap money, it's expensive money with pretty ads. 9.99% p.a.* is just math.
Credit card trapped
Unpredictable income, real bills
Banks want salary slips. Your portfolio doesn't. Bridge slow months without selling a thing.
Freelancer · Founder
Hospital bills at midnight
Emergencies don't wait for T+2 settlement. Get cash in minutes, not days.
First responder
Rejected by banks, tired of it
No credit history? Low score? It doesn't matter here. Your investments are the proof.
No credit score
Knows compounding is sacred
You understand why pulling out mid-way is a trap. This is the workaround you've been waiting for.
The math nerd
*T&C apply
HOW IT WORKS
4 steps to cash in your pocket
No queues. No branch. No paperwork.
01
Check credit limit
Enter PAN & check your limit. It’s FREE, takes just 10 seconds.
02
KYC verification
Complete your digital KYC instantly. No paperwork needed.
03
Pledge your assets
Pledge your investments digitally. Relax, you still own them.
04
Withdraw money
Withdraw and repay as per your needs. No hidden fees, no extra tension.
*T&C apply
WHEN WOULD YOU USE THIS?
Real life doesn't wait.Neither should you.
Medical emergency
Hospital bill at midnight, no savings buffer
Pledge your investments and get cash in minutes
Travel and experiences
Guilt free travel. Your investments stay intact and growing
Borrow against investments. No credit card trap.
Big purchase
Laptop, phone, or gear, can't wait
Get it now. No EMI. Pay only interest.
Rent and bills
Month with slow payments coming in
Bridge the gap cheaper and faster than any bank
Education and upskilling
Course fee, exam, or certification
Invest in yourself without disinvesting
Events and occasions
Wedding, family function, milestone
Life's big moments shouldn't cost your future.
*T&C apply
WHAT PEOPLE ARE SAYING
They borrowed smart. Their portfolios never knew.
Rohan Mehta
Software Engineer, 24 · Bengaluru
"My dad needed surgery and I had ₹4,000. Pledged on BlinkMoney at 11 PM, had ₹90K before midnight. SIP didn't miss a day."
Got money in 6 mins
Priya Sharma
Freelance Designer, 26 · Mumbai
"Used to pay 36% on credit card without realising. BlinkMoney at 9.99% is a different universe. Investments stay intact."
Ditched CC debt
Arjun Kapoor
Product Manager, 23 · Delhi
"Borrowed ₹1.5L for a MacBook. 3 months later portfolio had grown ₹18,000 while the loan was active. Actually genius."
Portfolio kept growing
Rohan Mehta
Software Engineer, 24 · Bengaluru
"My dad needed surgery and I had ₹4,000. Pledged on BlinkMoney at 11 PM, had ₹90K before midnight. SIP didn't miss a day."
Got money in 6 mins
Priya Sharma
Freelance Designer, 26 · Mumbai
"Used to pay 36% on credit card without realising. BlinkMoney at 9.99% is a different universe. Investments stay intact."
Ditched CC debt
Arjun Kapoor
Product Manager, 23 · Delhi
"Borrowed ₹1.5L for a MacBook. 3 months later portfolio had grown ₹18,000 while the loan was active. Actually genius."
Portfolio kept growing
Rohan Mehta
Software Engineer, 24 · Bengaluru
"My dad needed surgery and I had ₹4,000. Pledged on BlinkMoney at 11 PM, had ₹90K before midnight. SIP didn't miss a day."
Got money in 6 mins
Priya Sharma
Freelance Designer, 26 · Mumbai
"Used to pay 36% on credit card without realising. BlinkMoney at 9.99% is a different universe. Investments stay intact."
Ditched CC debt
Arjun Kapoor
Product Manager, 23 · Delhi
"Borrowed ₹1.5L for a MacBook. 3 months later portfolio had grown ₹18,000 while the loan was active. Actually genius."
Portfolio kept growing
*T&C apply
FAQ
Questions you're probably thinking
Still have questions? Just poke our
Team*T&C apply
YOUR INVESTMENTS. YOUR POWER.
Your investments shouldn't trap your money. They should free it.
Borrow when life demands it. Stay invested when it doesn't. That's financial flexibility.
*T&C apply