Is it too late to prepay if I am already 10 years into my loan?

It is never too late, but the savings are smaller. On a ₹50L / 20-year loan at 8.5%, starting ₹5,000/month extra in year 10 still saves ₹2.8L and closes the loan 18 months early. Less than year 1, but still meaningful.

Should I prepay a lump sum or monthly extra payments?

Both work. Monthly extra payments are easier to sustain and reduce principal continuously. Lump sum payments (bonus, sale proceeds) can make a large dent at once. Ideally, do both as and when funds are available.

Does the day of the month matter when I make a prepayment?

Yes, slightly. Most lenders calculate interest on a daily or monthly outstanding balance. A prepayment made on the 5th of the month saves more interest than one made on the 25th, because the reduced principal accrues less interest for the remaining 20-plus days. The difference on a single prepayment is small, a few hundred rupees, but if you have the choice, earlier in the month is marginally better.

Does early prepayment of a home loan affect my CIBIL score?

Prepayment does not directly hurt your CIBIL score. Regular EMI payments are a positive signal; full foreclosure marks the loan as "closed" which is also neutral to positive. Part-prepayments that reduce your outstanding balance do not appear as negative events in your credit report. If anything, a lower utilisation on a secured loan is a mild positive for credit health.

Is there a worst time to prepay a home loan?

There is no universally bad time, but there are suboptimal situations: (1) If you have high-interest unsecured debt (personal loans at 14%+, credit card dues at 36%+), clearing those first yields a higher guaranteed return per rupee. (2) If you do not have an emergency fund, prepaying locks up liquidity, a medical expense or job loss then requires borrowing at a higher rate, negating the saving. (3) In the final 2–3 years of the loan, the remaining interest is so small that the opportunity cost of locking up cash usually exceeds the saving.

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purva bhugatana rananiti

bharata men homa lona ka pripememta karane ka sabase achcha samaya

pahale sala men hara mahine ₹5,000 atirikta dene se ₹13.9 lakha ki bachata hoti hai aura apaka lona 4 sala pahale chukaya ja sakata hai| vahin, 10ven sala men itani hi rashi dene se sirpha ₹2.8 lakha ki bachata hoti hai| yaha amtara lona chukane ki prakriya para nirbhara karata hai, aura isa eka tathya ko janane se apa lakhon rupaye bacha sakate haim|

Last updated: Published 15 April 2026 · Updated 5 May 2026

bharata men homa lona ka pripememta karane ka sabase achcha samaya

Vishal Gupta

Published 15 April 2026 · Updated 5 May 2026

homa lona ke pripememta men samaya ka mahatva kyon hai?

homa lona kiston men chukae jate hain: apaki EMI taya rahati hai, lekina byaja aura muladhana ka anupata hara mahine badalata rahata hai| shuruati varshon men, pratyeka EMI ka adhikamsha hissa byaja men jata hai| jaise-jaise sala bitate hain, muladhana ka hissa dhire-dhire badhata jata hai|

byaja ka yaha agrima bhugatana hi vaha karana hai jisake chalate samaya se pahale bhugatana karane ka asadharana prabhava padata hai| dusare varsha men apake muladhana men kami karane vala pratyeka rupaya, rina ki shesha 18 varshon ki avadhi ke lie usa rashi para byaja bachata hai| vahin, 15ven varsha men chukaya gaya vahi rupaya kevala 5 varshon ke byaja ki bachata karata hai|

20 sala ke lie 8.5% byaja dara para ₹50 lakha ke lona para, pahale mahine men apaki ₹43,400 ki EMI men se lagabhaga ₹35,400 byaja ke rupa men jate haim| 15ven sala taka, usi EMI men se kevala lagabhaga ₹19,000 hi byaja ke rupa men jate haim|

pahale 7 sala: apake kariyara ka sabase prabhavashali samaya

apake rina ki avadhi ka pahala adha hissa, yani lagabhaga 1 se 7-8 varsha, vaha samaya hota hai jaba pratyeka EMI ka 70-80% byaja hota hai| isa avadhi ke daurana samaya se pahale bhugatana karane se apako prati rupaye adhikatama labha milata hai|

ganita isa prakara hai: ₹50 lakha ke rina ke pahale varsha men, jisaki byaja dara 8.5% hai aura jisaki avadhi 20 varsha hai, apaki bakaya rashi lagabhaga ₹50 lakha hai| pratyeka ₹1 lakha ka agrima bhugatana shesha 19+ varshon ke lie ₹1 lakha para byaja bachata hai| 15ven varsha men, bakaya rashi kaphi kama ho jati hai aura shesha avadhi kevala 5 varsha raha jati hai, isalie vahi ₹1 lakha ka agrima bhugatana usa rashi ke eka amsha ki bachata karata hai|

madhya bimdu ke bada, byaja-muladhana anupata badala jata hai| apa aba uchcha byaja dara vale charana men nahin haim| 20 sala ke rina ke 15ven varsha men samaya se pahale bhugatana karane se abhi bhi paise ki bachata hoti hai, lekina samana vyaya ke lie bachata kaphi kama ho jati hai|

yadi apa apane rina ke pahale se pa.nchaven varsha ke daurana yaha lekha padha rahe hain aura apake pasa eka sthira apatakalina nidhi hai, to adhikatama labha uthane ka sunahara avasara abhi hai| hara mahine ki deri se sambhavita bachata thodi kama hoti jaegi|

apa kitani bachata karemge yaha isa bata para nirbhara karata hai ki apa kaba se shuru karate haim|

niche di gai talika 20 varshon ke lie 8.5% byaja dara para lie gae ₹50 lakha ke rina para prati maha ₹5,000 atirikta rashi jodane ke prabhava ko darshati hai, yaha isa bata para nirbhara karata hai ki apa bhugatana kaba shuru karate hain:

yahan se agrima bhugatana shuru karem	byaja ki bachata	jaldi bamda ho jata hai
pahala varsha (abhi)	₹13.9 lakha	4 sala 5 mahine
kaksha 5	₹7.1 lakha	2 sala 9 mahine
kaksha 10	₹2.8 lakha	1 varsha 6 mahine

pahale sala se shuru karane aura dasaven sala se shuru karane para, hara mahine ₹5,000 ki samana rashi se lagabhaga 5 guna adhika byaja bachata hoti hai| kharcha ki gai rashi samana rahati hai| amtara kevala samaya ka hai|

₹40 lakha ke rina para byaja aura muladhana ka anupata kaise badalata hai

niche di gai talika men dikhaya gaya hai ki 20 varshon ke lie 8.5% byaja dara para lie gae ₹40 lakha ke rina ki avadhi men pratyeka masika EMI byaja aura muladhana ke bicha kisa prakara vibhajita hoti hai (EMI ≈ ₹34,700)| dhyana den ki shuruati varshon men byaja ka hissa adhika rahata hai aura 12ven varsha ke bada isamen teji se giravata ati hai|

rina varsha	masika byaja bhaga	masika muladhana bhaga	iemaai men byaja ka hissa
varsha 1	₹28,300	₹6,400	81%
tisara varsha	₹26,700	₹8,000	77%
kaksha 5	₹24,700	₹10,000	71%
kaksha 8	₹21,200	₹13,500	61%
kaksha 12	₹15,400	₹19,300	44%
kaksha 16	₹8,100	₹26,600	23%
varsha 19	₹2,100	₹32,600	6%

pahale varsha men kie gae pratyeka agrima bhugatana se shesha rina avadhi ke lie prati iemaai 81 paise ka byaja bachata hai| vahin, 16ven varsha men kie gae usi agrima bhugatana se kevala 23 paise ka byaja bachata hai| isilie samaya ka mahatva itana adhika hai|

kya agrima bhugatana ke lie varsha ka samaya mayane rakhata hai?

kisi die gae rina varsha ke bhitara, vittiya varsha ke amta (31 marcha) se pahale purva bhugatana karane para purani ayakara pranali ke tahata udharakartaon ko thoda kara labha milata hai| isaka karana yaha hai:

dhara 24 ke tahata prati vittiya varsha ₹2 lakha taka ke griha rina byaja ki katauti ki anumati hai| kisi bhi varsha men byaja ki ganana usa varsha ke prarambha men bakaya muladhana para ki jati hai|
yadi apa pharavari ya marcha men agrima bhugatana karate hain, to muladhana men katauti turamta lagu ho jati hai| 1 apraila se shuru hone vale nae vittiya varsha ke lie, bakaya rashi kama hoti hai, isalie varshika byaja (aura ata apaki dhara 24 katauti) thodi kama hoti hai, lekina kula byaja lagata bhi kama ho jati hai|
marcha ke bajaya apraila men kiya gaya agrima bhugatana, chalu vittiya varsha ke lie prabhavi rupa se eka atirikta mahine ke byaja men chuta dilata hai|
nai kara vyavastha ke tahata, jahan griha rina para byaja katauti upalabdha nahin hai, vahan udharakartaon ke lie isa samaya ka kara sambamdhi koi mahatva nahin hai; jaba bhi apake pasa atirikta nakadi ho, taba agrima bhugatana karem|

vittiya varsha ke samaya ka prabhava, samaya se pahale bhugatana karane ke labha ki tulana men bahuta kama hai| kara labha ki ummida men janavari ke bhugatana ko apraila taka na talen, kyomki atirikta 3 mahinon ka byaja chukana lagabhaga sabhi mamalon men mamuli katauti labha se kahin adhika hota hai|

apako agrima bhugatana ko kaba prathamikata nahin deni chahie

hara paristhiti men agrima bhugatana karana sahi kadama nahin hai| chara aise mamale hain jaha.n apako pratiksha karani chahie ya dhanarashi ko kahin aura lagana chahie:

apake pasa chaha mahine ke kharcha ke barabara nakadi bachata nahin hai, isalie pahale apana apatakalina kosha banaem|
apake pasa uchcha byaja dara vala karja (niji rina, kredita karda) hai, aura yaha karja apake griha rina se adhika hai, isalie ise pahale chukaem|
apa rina ke amtima 3-4 varshon men hain, jaba shesha byaja kama hai aura bachata naganya hai|
apaka rina nishchita byaja dara para hai aura isa para purva bhugatana shulka lagata hai jo apaki bachata ko kama kara deta hai ya samapta kara deta hai|

yadi inamen se koi bhi bata lagu nahin hoti hai aura apa apane rina ki avadhi ke pahale adhe hisse men hain, to jitani jaldi ho sake purva bhugatana shuru karane ka eka majabuta karana hai|

puche jane vale prashna

abhi bhi dera nahin hui hai, lekina bachata kama hogi| 8.5% byaja dara para ₹50 lakha ke 20 sala ke lona para, 10ven sala se hara mahine ₹5,000 atirikta jama karane se bhi ₹2.8 lakha ki bachata hoti hai aura lona 18 mahine pahale chukaya ja sakata hai| pahale sala ki tulana men kama, lekina phira bhi mahatvapurna|

donon hi tarike karagara haim| masika atirikta bhugatana karana asana hota hai aura isase muladhana lagatara kama hota rahata hai| ekamushta bhugatana (bonasa, bikri se prapta rashi) se eka hi bara men badi rakama jama ho sakati hai| adarsha rupa se, jaba bhi dhana upalabdha ho, donon hi tarike apanaem|

ji han, thoda-bahuta amtara hota hai| adhikamsha rinadata byaja ki ganana dainika ya masika bakaya rashi ke adhara para karate haim| mahine ki 5 tarikha ko kiya gaya agrima bhugatana 25 tarikha ko kie gae bhugatana ki tulana men adhika byaja bachata hai, kyomki shesha 20 dinon se adhika samaya ke lie kama muladhana para kama byaja lagata hai| eka bara ke agrima bhugatana men amtara mamuli hota hai, kucha sau rupaye ka, lekina yadi apake pasa vikalpa hai, to mahine ki shuruata men bhugatana karana thoda behatara hai|

pripememta se apake cibil skora para sidha asara nahin padata| niyamita EMI bhugatana eka sakaratmaka samketa hai; purna phoraklojara se lona "bamda" ho jata hai, jo ki tatastha se sakaratmaka samketa hai| amshika pripememta jisase apaki bakaya rashi kama ho jati hai, apaki kredita riporta men nakaratmaka ghatana ke rupa men nahin dikhati| balki, sikyorda lona para kama yutilaijeshana kredita heltha ke lie thoda sakaratmaka samketa hai|

koi bhi samaya hamesha bura nahin hota, lekina kucha paristhitiya.n anukula nahin hotin: (1) yadi apake pasa uchcha byaja dara vala asurakshita rina hai (14% ya usase adhika byaja dara para vyaktigata rina, 36% ya usase adhika byaja dara para kredita karda ka bakaya), to pahale unhen chukane se prati rupaye adhika garamtikrita ritarna milata hai| (2) yadi apake pasa apatakalina nidhi nahin hai, to samaya se pahale bhugatana karane se nakadi avaruddha ho jati hai, aura chikitsa kharcha ya naukari chutane jaisi sthiti men apako uchcha byaja dara para rina lena padata hai, jisase bachata nishprabhavi ho jati hai| (3) rina ke amtima 2-3 varshon men, shesha byaja itana kama hota hai ki nakadi ko avaruddha karane ki avasara lagata amataura para bachata se adhika hoti hai|

yaha samagri kevala shaikshika uddeshyon ke lie hai aura ise vittiya salaha nahin mana jana chahie| vittiya nirnaya lene se pahale kisi yogya salahakara se paramarsha lem|

apane lie sabase upayukta pripememta vimdo khojem

apane homa lona stetamemta ko apaloda karen aura dekhen ki apa apane maujuda bailemsa, byaja dara aura avadhi ke adhara para kitani bachata kara sakate haim| yadi apa pahale baimkon ke bare men tvarita janakari chahate hain, to sabhi vikalpon ko brauja karem|baimka dvara upalabdha homa lona pripememta kailakuletara.

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