extra ₹10L in hand. prepay the home loan or invest it? an honest comparison.
your situation
equity mf 12%, hybrid 9%, debt 7%
for sec 24 deduction benefit
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the rule of thumb
assumptions: one-time prepay (reduces tenure, keeps EMI). investment grown monthly-compounded, LTCG deducted at exit. "effective loan rate" reduces by slab × sec-24 fraction. ignores: prepayment penalty (mostly zero on floating-rate home loans post-2012), fund expense ratio, income tax changes. talk to your CA before making a ₹10L decision.