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Loan Against Mutual Funds vs Personal Loan: A Cost and Flexibility Comparison
Compared to personal loans, Loan Against Mutual Funds can offer lower costs, tax efficiency, and flexible borrowing for investors with existing portfolios.
Borrowers often default to personal loans for urgent funding, but investors with mutual fund portfolios have an alternative. Loan Against Mutual Funds typically offers lower interest rates since the loan is secured by pledged investments. Unlike personal loans, repayment is more flexible, and interest is charged only on the utilised amount. Additionally, LAMF avoids premature fund redemption, preventing capital gains tax and portfolio disruption. Apply Now