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Managing Loan Against Mutual Funds During Sharp Market Corrections
Fund large annual premium payments without disturbing investment growth.
During a correction, “LTV Creep” becomes your enemy. If the Nifty falls 10% in a week, your cushion shrinks. Use idle cash to bring the LTV back to 40%. Alternatively, switch your pledge from volatile small-caps to liquid funds. In 2026, advanced platforms allow digital collateral swapping, letting you move the lien to stable assets to prevent selling high-conviction equity units.