Taking a loan does not require stopping your SIPs. With a loan against mutual funds, investors can continue systematic investments while meeting short-term liquidity needs. This helps maintain long-term wealth-building discipline even during temporary financial stress. 

Unlike traditional loans with fixed EMIs, a loan against mutual funds charges interest only on the amount actually used. This reduces borrowing costs when funds are needed intermittently rather than all at once. Such flexibility makes LAMF suitable for planned short-term funding.