Search
7 results for “prepayment”
Calculators
1Articles
6Loan Basics13 min read
Loan Foreclosure & Prepayment Charges — The New RBI Rules From January 2026From 1 January 2026 lenders cannot charge prepayment fees on floating-rate loans to individuals, and lock-in periods are banned outright. Here is exactly which loans qualify, which still carry a penalty, and when paying the penalty is still worth it.Education Loan12 min read
Education Loan Repayment Guide 2026 — EMI & Prepayment StrategyYour education loan repayment is not fixed — step-up EMIs, prepayment and balance transfer can each cut years off your loan. Here is how to use every lever.Strategy12 min read
Should You Prepay Your Home Loan or Invest the Extra Money? The 2026 AnswerAt 9% home loan rate vs. 11–12% equity returns, the math leans toward investing. But taxes, risk, and psychology change the answer. Here's the complete decision framework with numbers.Home Loan12 min read
Home Loan Overdraft (SBI MaxGain, HDFC Home Saver) — Worth It or Not?Park ₹5 lakh in an overdraft home loan and you save ₹15.60 lakh in interest. Prepay the same ₹5 lakh into an ordinary loan and you save ₹16.04 lakh. The overdraft costs ₹43,598 more — and that gap is the price of keeping your money withdrawable.Home Loan12 min read
7 Proven Ways to Reduce Your Home Loan EMI in India (2026 Guide)Paying too much on your home loan every month? These seven strategies — from balance transfer to prepayment timing — can reduce your EMI by ₹1,500–₹6,000 a month without cutting corners.Home Loan13 min read
Best Home Loan Banks in India 2026 — Rates, Fees & Hidden Catches ComparedSBI, HDFC, ICICI, Axis, Kotak, and LIC Housing compared on what actually matters — effective rate, processing fees, prepayment terms, disbursal speed, and the catches buried in the fine print.