All EMI Guide Prepayment Interest Rates Balance Transfer Home Buying Tax Benefits RBI Policy

Prepayment

Strategies to pay off your home loan faster and save on interest.

16 May 2026·4 min read

How Much Should You Prepay on Your Home Loan? A Practical Framework

Deciding how much to prepay on your home loan depends on your interest rate, investment returns, tax bracket, and emergency fund. This guide gives you a clear decision framework.

prepaymenthome loan strategylump suminvestment vs prepayment

16 May 2026·2 min read

Reduce EMI vs Reduce Tenure After Prepayment — Which Saves More?

After making a lump-sum prepayment on your home loan, your bank offers two options: reduce your monthly EMI or reduce your loan tenure. This guide explains which saves more interest and when to choose each.

prepaymentreduce EMIreduce tenurehome loan strategy

Calculator

Ready to run the numbers?

Use our free home loan prepayment calculator to model any scenario.

Open Calculator →