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The "Floating Rate" Advantage in 2026
Benefit from falling interest rates automatically without having to "refinance" your loan manually.
Unlike fixed-rate personal loans, LAMF is typically floating, linked to Repo rates. If the RBI cuts rates in 2026, borrowing costs fall automatically without new approvals. Interest benefits flow directly to monthly bills. Investors enjoy flexibility and immediate rate advantages. This adaptive borrowing mechanism allows temporary liquidity to be maintained at lower cost while portfolio units continue growing, and efficient wealth management tool. Apply Now