Borrowing against mutual funds provides three key benefits: lower interest rates, quick approval, and continued investment growth. Unlike redeeming units, investors retain market exposure and potential returns while accessing liquidity. Interest rates typically range from 8–11%, lower than most unsecured credit products. With digital onboarding through AMCs or brokers, the entire loan process completes within hours. This makes LAMF a practical financing tool for short-term cash flow needs without affecting long-term wealth creation.