| YENMO | DhanLAP | Volt Money | Smallcase | |
|---|---|---|---|---|
 |  |  |  | |
| Loan Amount | Minimum: ₹10000 | Minimum: ₹25000 | Minimum: ₹10000 | Minimum: ₹25000 |
| Interest rate | 10.19% | 10% | 10.49% | 10.75% |
| Processing Fee | ₹1199 + GST | 1% of loan + GST | ₹999 to ₹1999 + GST | 1% |
| Effective Interest Rate | 10.19% | 11% | 10.49% | 11.75% |
| Stamp Duty Charges | 0 (included in processing fee) | ₹20 + GST | As per actuals | NA |
| First Pledge Charges | 0 (included in processing fee) | CAMS: ₹500 + GST KFintech: ₹300 + GST | NA | NA |
| Loan Tenure | 36 months | 12 months | 12 months | 36 months |
| Prepayment charges | NA | No penalty after 1st EMI | NA | NA |
| Foreclosure charges | NA | NA | NA | NA |
| Add Funds charges | Free upto sanction limit, ₹1199 + GST thereafter | NA | ₹999 to ₹1999 + GST | NA |
| Remove funds charges | 0 | NA | 0 | 0 |
| Pledge Demat funds | Demat pledge ~₹50 + GST per security | NA | NA | Demat pledge ~₹50 + GST per security |
How to Read (and Use) Every Row in a Loan-Against-Mutual-Funds Comparison Table
Below is an expandable guide to the twelve key data points you’ll see in most LAMF tables—using Yenmo’s current figures and typical competitor practices for context
1. Loan Amount (Minimum Ticket Size)
2. Interest Rate (Flat Annual Rate)
3. Processing Fee (One-Time)
4. Effective Interest Rate (All-Inclusive)
5. Stamp Duty Charges
6. First Pledge Charges
7. Loan Tenure (Maximum Pledge Period)
8. Pre-payment Charges
9. Foreclosure Charges
10. Add Funds Charges (Top-Up Collateral)
11. Pledge Demat Funds (Stocks/ETFs)
Putting It All Together
Calculate the full first-year cost: Interest + processing + statutory fees.
Check penalties: Pre-payment and foreclosure should be zero for maximum flexibility.
Look at top-up and release rules: They dictate how your credit line grows—or shrinks—with your portfolio.
If you have Demat funds: Check if your lender can accept them or not.
Choose the lender that excels on all three fronts. In Yenmo’s case, an interest rate of 10.19%, a single processing fee, and zero penalties make it one of the most cost-effective and flexible LAMF options in India today—letting your investments stay invested while your liquidity worries disappear.
