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How Rahul Used LAMF to Save 30% on His Home Loan
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Rahul used LAMF instead of redeeming mutual funds, saving ₹2.
Rahul, a 32-year-old professional, needed ₹15 lakh for his house down payment. Instead of redeeming his ₹20 lakh mutual fund portfolio—which would have triggered ₹2.5 lakh in capital gains tax—he opted for a Loan Against Mutual Funds (LAMF) at a 10% interest rate. His investments earned 14% returns over two years while the loan cost ₹3 lakh in interest, yielding a net gain of ₹2.6 lakh plus ₹2.5 lakh in tax savings. This educational case shows how LAMF preserves long-term compounding benefits.