Should You Break Your Mutual Fund or Take a Personal Loan Instead?

What if you need an emergency or the acquisition of urgent funds? You need funds right away. Should you redeem your mutual fund investment or take a personal loan for salaried employees?

It’s a common dilemma. There are a lot of factors to take into account when deciding on this, such as the time you need money, your investment goals, and the amount needed. We break it down in a simple sense.

When Should You Avoid Breaking Mutual Funds?

Mutual funds are created for a long-term wealth-building process, long-term. If you redeem them early:

• Compounding returns may escape you.

• You may withdraw at a time when the market is low

• It can disturb your long-term financial planning.

Unless it is an absolute last resort, breaking a mutual fund for short-term needs is not the best idea, particularly if you have been investing and saving for future goals like buying a house or retirement.

Why a Personal Loan Can Be a Better Option

The rise of digital lending plays its part in getting instant loan approval. There is no complicated paperwork and long approval cycle to go through. Salaried employees between 25 and 55 years old can get smart and simple loans from Rupee112 to fill any short-term gap in their financials without affecting their savings.

A personal loan gives you the following flexibility:

• There is no need to sell or break investments.

• You retain the financial goals while getting the money immediately into your account.

• It can be repaid over time.

• It is fully online with little documentation.

The New-Age Solution: 100% Digital and Hassle-Free

Today, it is just like applying for a loan, as it is like ordering food online. The 1100% digital loan process also means that you can apply in minutes, upload your details securely, and the money will be directly deposited into your account without having to ever step out of your house.

With Rupee112, you get:

• Loan up to ₹100,000

• No collateral required

• Quick loan approval for eligible users

• Hassle-free experience

• Designed specifically as a personal loan for salaried employees

Personal loans can be used to fix the problem that we have today without affecting the plans we have for tomorrow.

Save Investments for Growth Use Credit Wisely

Imagine your mutual funds as trees that are growing for the future. If you cut them down today for short-term needs, it will halt your quest. A personal loan functions more like a ladder than anything else: it elevates you to what you need while you leave what you had to accomplish in the past.

If you’re eligible, then use short-term credit smartly and let your mutual funds remain untouched.

The problem can be solved today by breaking investments only to have a bigger problem tomorrow. A quick and hassle-free loan gives you the breathing room without interfering with your financial plans.

How Can You Get Instant Funds Without Sacrificing Savings?

Apply on Rupee112.com today.

Have a fully 100% digital loan process completely designed for working professionals.

Quick loan approval, no stress, no paperwork get up to ₹100,000 in minutes.