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Tips, guides, and insights to help you save on your home loan.
Home loan prepayment — reduce EMI or reduce tenure?
On a typical ₹50 lakh home loan, reducing tenure on prepayment saves 2–3× more lifetime interest than reducing EMI. The math, the trade-off, bank-by-bank instructions.
SBI home loan prepayment rules in 2026
SBI prepayment charge is ₹0 on every retail home loan product. Online via YONO in 3 minutes. The Maxgain quirk and how to actually close it.
RBI prepayment rules in India 2026
The RBI 2025 Directions banned prepayment fees on floating-rate individual home loans in India. Effective 1 January 2026. The four carve-outs where banks can still charge.
The long-term benefits of home loan prepayment
A ₹50 lakh home loan costs ₹1.04 crore total. With ₹15,000/month extra to principal, you save ₹29 lakh and 8 years. The math, the timing, and why daily beats monthly.
Should I prepay home loan or invest?
Compare post-tax effective home loan rate to post-tax expected investment return. Framework + life-stage scenarios + the new tax regime nuance.
HDFC home loan prepayment charges in 2026
HDFC ARHL prepayment is ₹0. TruFixed during fixed window can attract 2% if funded by borrowed money. The full HDFC product-by-product breakdown plus the branch traps.
Home loan foreclosure charges in 2026
Foreclosure charge is ₹0 on floating-rate individual home loans in India in 2026. But state stamp duty on MODT cancellation can run ₹500–50,000+. Full state-by-state breakdown.
What Your Prepayment Calculator Result Actually Means, and What to Do Next
Learn how to use a home loan prepayment calculator to reduce your loan tenure, save on interest, and make smarter financial decisions as an Indian borrower.
Joint Home Loan Tax Benefit: Can Both Borrowers Claim? (2026)
Joint home loan tax benefit: both co-borrowers can claim ₹2L each under Section 24(b). Most couples claim only one. Here's what you're missing, and how to fix it.
Repo Rate Today in India Held at 5.25%, April 2026 - MPC Decision & Your EMI Action Plan
RBI repo rate today in India is 5.25%, held in April 2026. Check EMI impact, rate history, EBLR vs MCLR difference & what home loan borrowers must do before June 2026
How Does Home Loan Interest Work in India? (With Real ₹ Examples)
₹50L home loan becomes ₹1.19Cr. See why you repay ₹238 per ₹100, how EMI splits into interest, and how to reduce total interest.
MCLR vs Repo Rate Home Loan 2026: Which Is Costing You More?
Is your home loan on MCLR? You may be carrying ₹9.7L more debt than a repo-linked borrower on the same loan. Check your type, see the savings tables, and switch for ₹2,000–₹5,000.