What is the 50:50 Hybrid Strategy?

The 50:50 strategy splits monthly surplus cash equally: 50% prepays home loan principal to save interest and shorten tenure, while 50% compounds in an equity mutual fund SIP to build multi-crore liquid wealth.

Should I prepay if I am under the New Tax Regime?

Under the New Tax Regime, Section 24b interest deductions are not available for self-occupied homes, making your effective borrowing cost equal to the full loan interest rate (~8.5%), which increases the financial benefit of prepaying.

Debt Freedom vs Equity Compounding

Should You Prepay Your Home Loan or Invest in Mutual Funds?
The 50:50 Hybrid Wealth Strategy Explained

Compare guaranteed interest savings from home loan prepayments against wealth creation through compounding equity SIPs. Factors in Section 24b tax deductions and inflation.

Run Prepayment vs. SIP Simulator

Should You Prepay Your Home Loan or Invest in Mutual Funds? The 50:50 Hybrid Wealth Strategy Explained

Should You Prepay Your Home Loan or Invest in Mutual Funds?
The 50:50 Hybrid Wealth Strategy Explained