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Home loan borrowers should not rush into prepaying their loans. Instead, they should carefully compare the cost of the loan with the post-tax returns (Photo for representational purposes only)

Jan 11, 10:29 AM IST 3 min read

Rohit Nag, a 34-year-old from Kolkata, partially prepaid his ₹40 lakh home loan by ₹2 lakh before March 31 to maximize tax benefits under Sections 80C and 24(b). Financial experts advise borrowers to evaluate loan costs versus investment returns before prepaying and to prioritize cash flow over tax deadlines, as March 31 does not significantly alter loan economics.

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