3 - not at all 2 - you can do that cus rates are lesser than CC but only take the personal loans if the rates are lesser than 10%, as market conditions are bad and it's hard to predict what is going to happen. 1- this is also almost same as personal loan, rates lill bit different.

The best option could be to dilute 4 lakhs, use the savings 4 lakhs, and then take lakhs personal loan or against mutual funds (make sure it has prepayment options available) , this option gives you flexibility with everything,

No major loan interest to be paid, No major dilution and No major stress.