Deposit slip — your scenario
Loan amount needed
Tenure
Mutual fund type pledged
Your risk appetite
Loan against MF
Interest rate p.a.
Processing fee (one-time)
Yearly charges (from year 2)
Partial payments per year
Amount per partial payment
Partial payments reduce the outstanding LAMF balance (and future interest) and are applied only in interest-only mode. Each payment is assumed to come out of that month's SIP amount below.
Personal loan (term loan)
Interest rate p.a.
Processing fee
Foreclosure charge (if prepaid)
Standard reducing-balance term loan: fixed EMI, interest computed monthly on the outstanding balance, fully repaid by the end of the tenure.
Loan against MF
Regular monthly outflow
Balance due at end
Total interest + fees
Total cost
Personal loan
Fixed EMI
Balance due at end₹0
Total interest + fees
Total cost
Monthly cash outflow across the tenure
Cumulative cost of borrowing
LAMFPersonal loan
Cost composition (excl. principal)
Comparison
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