Milan, Italy, 7th Nov 2025 – At the world level International Two-Wheeler Exhibition, RZLABs, the leading company in intelligent shock-absorbing material field, launched brand new series FOLIDOTA – the 1st 3D printed energy-absorbing material capable to pass CE with over 95% of impact energy absorption rate. This ground-breaking innovation became a centerpiece of the exhibition’s protective gear category, attracting strong interest from world-renowned top brands of helmet and riding gear.

Core Highlights: Dual Technological Breakthroughs Redefine Protection Standards of 3D-Printing

As the flagship product of this exhibition, RZLABs’ 3D-printed intelligent energy-absorbing material sets a new benchmark for the industry. After long-term R&D and rigorous testing, this material has been designed capable to meet requirement of authoritative international certification CE. Under high velocity impact, the material could rapidly dispersing energy, achieving over 95% energy absorption – a revolutionary leap in sports protective gear safety performance.

“The launch of this 3D-printed intelligent non-Newtonian composite material marks a major milestone in integrating material science with 3D-printing manufacturing. Not only capable to do customized production for various sports scenes protection needs, but capable to balance lightweight and durability. This breakthrough delivers higher professional grade of safety guarantee for extreme sports such as Mountain Biking (MTB), Motocross (MX), and Skiing (SNOW).” ” said by Jerry, CEO of RZLABs.

Full Product Lineup: Four Generations of Continuous Innovation

In addition to the launch of FOLIDOTA Series, RZLABs exhibits the 1st to 4th generations of its NIKKA GEAR Series, demonstrated its continuous iterative technological strength.

• 1st Generation: Exceptional softness and ergonomic fit.
• 2nd Generation: Lighter and thinner design.
• 3rd Generation: Overcome the technical challenges of low-temperature resistance.
• 4th Generation: Eco-friendly bamboo fiber materials, lead trendy of green protection.

In-depth Analysis of Technological Core: Material Principles Establish Industry Advantage

RZLABs’ product competitiveness stems from its proprietary patented technology of secondary bond non-Newtonian fluids. This technology precisely controls the molecular structure of the material. The breaking and reformation of non-covalent bonds such as hydrogen bonds, hydrazone bonds, and disulfide bonds (like the separation and recombination of magnets), dissipates a significant amount of impact energy. This enables the products to far exceed the industry average in key indicators such as impact protection, flexibility, and environmental adaptability. RZLABs consistently focus on innovation at the fundamental material level. Through the intelligent design of polymer materials, each generation of products can precisely match market demands. Simultaneously, the team persists in independent R&D in areas such as smart sensing and flexible wearables, striving to achieve the intelligent integration of sports protection and medical rehabilitation.

Exhibition Details

Name of exhibition: EICMA – The International Two-Wheeler Exhibition

Exhibitor: RZLABs
Core Exhibits:
• FOLIDOTA Series 3D-Printed Energy-Absorbing Material
• NIKKA GEAR Series 1st to 4th Generation Protective Products
• YEAPEYE Series Photochromic + Anti-Fog Solutions
Booth Location: Hall 6, M09
More info: www.rz-labs.com

Media Contact

Organization: QingDao RZ-LABs Technology Co.,Ltd

Contact Person: Jerry Wang

Website: https://www.rz-labs.com/

Email: Send Email

City: Milan

Country:Italy

Release id:33646

The post RZLABs Launched FOLIDOTA series, 3D printed Intelligent Shock-Absorbing Material at 2025 EICMA in Italy appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

In recent years, mutual funds have gained significant popularity among Indian investors as a means to build wealth over time. However, in times of urgent financial need, liquidating mutual fund investments may not be the best option. This is where a loan against mutual funds becomes an attractive alternative. By pledging mutual fund units as collateral, investors can avail quick credit without disturbing their investment portfolio. This article delves into the essential loan against mutual funds eligibility criteria and offers a detailed overview of factors influencing the process, including aspects such as the loan against mutual funds processing fees.

Understanding loan against mutual funds

A loan against mutual funds is a secured loan where borrowers pledge their mutual fund units to a lender to avail funds. This facility enables investors to borrow money while continuing to enjoy the benefits of their investment, including potential capital appreciation and dividends. Since it is collateral-backed, lenders usually offer competitive interest rates and quick disbursal.

The loan amount typically depends on the value of the pledged units called the Loan-to-Value (LTV) ratio. This ratio varies across lenders and depends on the type and tenor of the mutual fund units.

Loan against mutual funds eligibility criteria

Knowing the loan against mutual funds eligibility is crucial for investors who wish to tap their mutual fund holdings for financial needs.

1. Mutual fund type and tenure

Not all mutual fund units are eligible for loans. Generally, only equity and debt schemes with certain lock-in periods qualify. Closed-ended schemes under the lock-in period are usually ineligible. Open-ended mutual funds held in demat form or physical form can be pledged depending on the lender’s policy.

The minimum holding period requirement varies but is generally at least 3-6 months from the date of investment. This ensures that the units are adequately priced and stable.

2. Minimum investment value

Most lenders specify a minimum market value of the mutual fund units to qualify for a loan. This can range from Rs. 50,000 to Rs. 1,00,000 depending on the financial institution. Units below this value typically do not meet eligibility criteria.

3. Demat account and pledge facility

To avail a loan, the mutual fund units must ideally be held in a dematerialised (demat) account. This enables the lender to place a lien on the units electronically. Investors without a demat account may face challenges or additional steps.

4. Age and residency requirements

Applicants must be Indian residents between 21 and 60 years of age. Some financial institutions have different age caps or may specify employment status for salaried individuals or other categories.

5. Credit history and KYC compliance

While the loan is secured by mutual funds, lenders often assess the borrower’s credit history and KYC (Know Your Customer) compliance. A clean credit record helps in smoother and faster approval. KYC documents including identity proof, address proof, and PAN card must be valid and up to date.

6. Holding period and redemption restrictions

If mutual fund units have exit load charges or redemption restrictions, eligibility for loan against such units may be limited or disallowed. It is important to check scheme-specific terms.

Documents required for loan against mutual funds

Applicants need to submit essential documents which usually include:

– Valid identity proof (Aadhaar card, PAN card, passport, voter ID)

– Address proof (utility bills, Aadhaar, passport)

– Demat account statement reflecting mutual fund holdings

– Mutual fund account statement or a statement from fund house

– Recent passport size photograph

– Income proof in some cases, especially for salaried individuals

Ensuring all documents are accurate and complete speeds up the loan approval process.

Loan against mutual funds processing fees details

Financial institutions typically charge a loan against mutual funds processing fees which covers the administrative cost of sanctioning the loan. This fee varies widely among lenders but generally ranges between 0.25% and 1% of the loan amount.

Some key points regarding processing fees include:

– It is usually non-refundable even if the loan application is declined.

– Some lenders may waive off the processing fees during promotional offers.

– Fees may be deducted upfront or added to the loan amount.

– Processing fees do not include other charges like foreclosure penalty or interest on delayed payment.

Understanding the processing fees helps the borrower evaluate the overall cost of borrowing.

Benefits of loan against mutual funds

– Quick disbursal: Since the loan is secured by mutual fund units, banks and NBFCs (Non-Banking Financial Companies) usually sanction it quickly.

– Lower interest rates: Compared to unsecured loans, interest rates are typically lower, reflecting the reduced risk to lenders.

– No need to liquidate investments: Investors retain the potential benefits of their mutual fund investments.

– Flexible usage: Borrowers can use funds for any financial requirement – emergency, business expansion, education, or personal needs.

– Repayment options: Lenders generally offer flexible EMIs and loan tenures.

Limitations and risks to consider

– Market volatility: A sharp fall in mutual fund NAV can impact the LTV ratio, leading to margin calls or partial liquidation.

– Limited loan amount: The sanctioned amount depends on the mutual fund value; it may not cover large urgent requirements.

– Processing fees and other charges: Additional fees can raise the borrowing cost.

– Lock-in restrictions: Pledged units cannot be sold or redeemed till the loan is fully repaid.

Choosing the right lender for a loan against mutual funds

It is advisable to compare offers from various banks, NBFCs, and mutual fund distributor tie-ups to identify the best deal. Factors to consider include:

– Interest rates and flexible repayment terms

– Loan tenure options

– Processing fees and hidden charges

– Customer service quality

– Ease of application and disbursal speed

Some leading lenders in India offering loans against mutual funds include HDFC Bank, ICICI Bank, and Bajaj Finserv.

Conclusion

The loan against mutual funds eligibility is governed by a combination of factors including the type of mutual fund scheme, minimum investment value, applicant’s age, and KYC compliance. By understanding these criteria, investors can unlock quick liquidity without disturbing their investments. It is equally important to factor in the loan against mutual funds processing fees along with interest rates to evaluate the true cost of the loan.

This financial solution offers an effective way to manage funds during emergencies or short-term requirements while allowing investors to benefit from their mutual fund holdings.

For investors seeking instant funds without redemption hassles, loan against mutual funds is a prudent option, provided they meet the eligibility norms and are aware of associated costs.

New-York, United States, 7th Nov 2025 – New York City, United States, November 3rd, 2025 — Cleaning Chief, a top-rated local cleaning company trusted by over 3,500 New-Yorkers, is expanding its residential and commercial cleaning services throughout New York City. With a reputation for reliability, eco-friendly practices, and exceptional results, the company continues to raise the standard for professional cleaning in the metropolitan area.

Full-Service Cleaning for Homes and Businesses

Cleaning Chief offers a wide range of cleaning services designed to meet the needs of busy New Yorkers:

• Home & Apartment Cleaning — detailed regular and one-time cleanings to maintain a spotless and healthy living environment.
• Deep Cleaning — thorough cleaning for neglected or hard-to-reach areas, ideal for seasonal or post-holiday refreshes.
• Office & Commercial Cleaning — customized janitorial and maintenance services to ensure a pristine business image.
• Move-In / Move-Out Cleaning — perfect for tenants and landlords preparing properties for transition.
• Airbnb & Vacation Rental Cleaning — fast, reliable, guest-ready cleaning that helps hosts maintain five-star ratings.
• Post-Construction Cleaning — specialized cleaning to remove dust, debris, and renovation residues.
• Carpet & Upholstery Cleaning — advanced steam cleaning to eliminate stains, allergens, and odors.

“Our mission is simple — to deliver spotless results while protecting our clients’ health and the planet,” said a Cleaning Chief representative. “Whether you need a one-time cleaning or a recurring subscription, our trained professionals guarantee satisfaction every visit.”

Why New Yorkers Choose Cleaning Chief

Serving all five boroughs — Manhattan, Brooklyn, Queens, The Bronx, and Staten Island, Cleaning Chief has become one of New York’s most trusted cleaning companies. Known for reliability, professionalism, and spotless results, the company continues to raise the bar in both residential and commercial cleaning.

Clients highlight Cleaning Chief’s punctual team, attention to detail, and eco-friendly cleaning methods that are safe for children, pets, and allergy-sensitive households. With flexible scheduling, transparent pricing, and dedicated customer care, the company has earned hundreds of 5-star reviews across Google, Yelp, and other platforms.

About Cleaning Chief

Founded in 2019, Cleaning Chief is a New York–based professional cleaning company providing a full range of residential and commercial cleaning services across NYC. With a team of trained, background-checked, and EPA-certified technicians, the company focuses on creating cleaner, healthier, and more comfortable environments for every client.

Driven by a mission to make professional cleaning simple, reliable, and sustainable, Cleaning Chief combines modern techniques, eco-friendly products, and a customer-first approach that continues to earn the trust of New Yorkers every day.

Media Contact

Organization: Cleaning Chief

Contact Person: Cleaning Chief

Website: https://www.cleaningchief.com/

Email: Send Email

Contact Number: +13322323422

Address:608 W 138th st, New-York, 10031

City: New-York

State: New-York

Country:United States

Release id:36689

The post Cleaning Chief Expands Premium Residential and Commercial Cleaning Services Across New York City appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section