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If you’re exploring affordable borrowing options, a loan against mutual funds (LAMF) is worth considering. It’s a secured loan that not only offers flexibility and speed, but also some of the lowest interest rates in India — especially when compared to traditional personal loans.
In this blog, we’ll break down what to expect from loan against mutual fund interest rates in 2025, and how you can use this smart financing tool to your advantage.
Since a loan against mutual funds is a secured loan, lenders charge significantly lower interest rates compared to unsecured loans. These rates typically depend on:
Based on 2025 market data and lender trends, here’s what you can expect:
| Lender | Interest Rate (p.a.) | Foreclosure Charges |
|---|---|---|
| Yenmo | 10.5% | ₹0 |
| Traditional Banks | 11% – 13.5% | 1% – 4% |
| NBFCs | 12% – 15% | 1% – 3% |
Yenmo is built to give borrowers better value with:
Absolutely. Personal loans in India typically carry 12%–24% interest, credit score dependency, and strict repayment schedules. On the other hand, loans against mutual funds offer:
If you’re planning to raise short-term funds in 2025, exploring a loan against mutual funds can help you save big on interest, stay invested, and avoid the rigidity of personal loans.
Visit Yenmo.in to apply instantly and use our loan calculator to check how much interest you can save.
