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Your situation
Comparable debt fund return assumed at 6.8% (platform default, post-tax).
Should I prepay ₹5,00,000 toward my home loan?
Prepay it.
Your loan rate (9%) sits above what a comparable debt fund realistically returns post-tax (6.8%). Prepaying saves an estimated ₹10,25,575 in interest versus a projected ₹8,41,340 gain from investing the same amount instead.
Verdict margin (2.2pp) holds across the standard simulation band.
Evidence
Your loan rate
9%
Comparable debt fund return(assumed)
6.8%
Interest saved by prepaying
₹10,25,575
Projected gain if invested instead
₹8,41,340
Alternatives considered
- Invest in a debt fund instead−₹1,84,235 opportunity cost if chosen
Valid while your loan rate stays within 2.2pp of 9% and the 6.8% alternative-return assumption holds.
Monitor: your loan rate
Computed live from your inputs, not a template — try adjusting the numbers above.
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