Prepay vs Invest Calculator

Should you prepay your home loan or invest the money? Compare interest saved with what the money could earn.

• Is it better to prepay a home loan or invest?

  If your expected post-tax return is clearly above your loan rate, investing can win. Prepaying is a guaranteed return equal to your loan rate.

• Is there a penalty for prepaying?

  No, RBI does not allow prepayment charges on floating-rate loans to individuals.