Loan on MF/Stocks advice

Here are some observations and suggestions:

 1. *Investment growth*: Your assumption of 20% CAGR growth in the next 7 years is ambitious. Historically, equity markets have given around 12-15% returns over the long term. Be prepared for potential market fluctuations.

 2. *Funding construction*: Using an overdraft loan against your equity shares and MFs at 10.35% interest is a viable option. However, consider exploring other options like a housing loan or a personal loan with a lower interest rate.

 3. *SWP for interest repayment*: Your plan to use Systematic Withdrawal Plan (SWP) to repay interest on the OD is a good strategy. However, ensure you have enough liquidity to meet the interest payments.

4. *Repaying the loan*: To avoid selling any apartments, focus on repaying the principal amount along with the interest.

 Consider using a portion of your SWP for principal repayment.

 5. *Alternative options*: If possible, consider delaying the construction project or exploring alternative funding sources, like a joint venture or partnership, to reduce your financial burden.

 6. *Review and⁰ adjust*: Regularly review your investment growth, interest rates, and construction costs. Be prepared to adjust your plan if needed.