On 9 November 2025, a comparative analysis showed Loans Against Mutual Funds (LAMF) outperform traditional gold loans in emergency funding. LAMF offers instant online disbursal with 10–11% interest rates, compared to 12–15% for gold loans requiring physical appraisal. A ₹5 lakh loan via LAMF can be executed within minutes. Experts also highlight privacy benefits, as LAMF avoids pledging family jewelry. With rising urban digital adoption, LAMF is becoming the preferred emergency financing route for middle-income investors.