Investor toolkit

SIP or prepay your home loan?

Put your spare monthly cash to work. This tool models investing it in a SIP, prepaying your loan, or splitting between the two over your loan's remaining life and shows which builds more wealth.

Home loan

Loan amount (₹)

Interest rate (% p.a.)

Original tenure (years)

Remaining tenure (years)

Current EMI (auto)₹43,391

Spare cash & SIP assumptions

Extra monthly amount (₹)

Expected return (% p.a.)

SIP step-up / year (%)

Inflation (%)

Split strategy

60% SIP40% Prepay

Recommended strategy

SIP investing is projected to create ₹36.4 L more wealth over 20 years than prepaying your loan.

Wealth difference₹36,37,508

In today's money (6% inflation)₹11,34,192

Total wealth (SIP value minus loan owed) over time. The fairest, like-for-like comparison.

Returns are estimates only and do not guarantee future performance. Consult a SEBI-registered investment adviser before making financial decisions.