Blog
Tips, guides, and insights to help you save on your home loan.
Home Loan Prepayment Penalty in India: What Borrowers Must Know in 2026
Understand home loan prepayment penalties in India. Learn which loans have charges, how to avoid them, and use our free calculator to plan smarter prepayments.
Axis Bank Home Loan EMI Calculator: How It Works in 2026
Understand how the Axis Bank home loan EMI calculator works in 2026. Learn to compute EMIs, compare part-prepayment benefits, and reduce your total interest with daily prepayments.
Home Loan Prepayment Calculator: Reduce EMI or Tenure in Excel? HDFC Example
Use a home loan prepayment calculator in Excel to decide whether to reduce EMI or tenure. HDFC example with real numbers shows tenure reduction saves more interest. Try our free calculator.
Home Loan EMI Calculator with Prepayment India: How to Save Lakhs
Use a home loan EMI calculator with prepayment in India to see how extra payments reduce interest. Learn the math and try our free tool to plan your savings.
Home Loan Interest Rate All Bank: How to Compare and Save in 2026
Compare home loan interest rates across all banks in India for 2026. Learn how reducing balance math affects your EMI and why even a 0.5% lower rate can save lakhs. Use our free calculator to see the impact.
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.