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15h agoLAMF Tax Benefits: Why It Beats Redemption
Loans Against Mutual Funds offer key tax advantages compared to redemption. Selling mutual fund units triggers capital gains—10% on long-term equity gains beyond ₹1 lakh, 12.5% on short-term equity, and 20% (with indexation) on debt funds. In contrast, LAMF avoids capital gains entirely since units remain invested. Although interest isn’t deductible for personal loans, it can offset income if used for business or investments. Exit loads of 0.5–1% also don’t apply, making LAMF a tax-efficient liquidity tool for investors.
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15h agoLAMF Tax Benefits: Why It Beats Redemption
Loans Against Mutual Funds offer key tax advantages compared to redemption. Selling mutual fund units triggers capital gains—10% on long-term equity gains beyond ₹1 lakh, 12.5% on short-term equity, and 20% (with indexation) on debt funds. In contrast, LAMF avoids capital gains entirely since units remain invested. Although interest isn’t deductible for personal loans, it can offset income if used for business or investments. Exit loads of 0.5–1% also don’t apply, making LAMF a tax-efficient liquidity tool for investors.
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LAMF Tax Benefits: Why It Beats Redemption
about 16 hours ago
1 min read
79 words
LAMF avoids capital gains and exit loads, offering tax-efficient liquidity, while redemption attracts 10–20% taxes depending on fund type and holding period.
Loans Against Mutual Funds offer key tax advantages compared to redemption. Selling mutual fund units triggers capital gains—10% on long-term equity gains beyond ₹1 lakh, 12.5% on short-term equity, and 20% (with indexation) on debt funds. In contrast, LAMF avoids capital gains entirely since units remain invested. Although interest isn’t deductible for personal loans, it can offset income if used for business or investments. Exit loads of 0.5–1% also don’t apply, making LAMF a tax-efficient liquidity tool for investors.
Loans Against Mutual Funds offer key tax advantages compared to redemption. Selling mutual fund units triggers capital gains—10% on long-term equity gains beyond ₹1 lakh, 12.5% on short-term equity, and 20% (with indexation) on debt funds. In contrast, LAMF avoids capital gains entirely since units remain invested. Although interest isn’t deductible for personal loans, it can offset income if used for business or investments. Exit loads of 0.5–1% also don’t apply, making LAMF a tax-efficient liquidity tool for investors.
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mutual_funds
LAMF
mutual_funds
LAMF
tax benefits
capital gains
redemption
Source:
Oct 23, 2025 • 12:51 IST