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Overpay my loan or invest? Compare the two

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Pay a lump sum onto a loan, or invest it. See what each is worth after the years you choose, and the return you would need to beat paying off the loan.

Steady-return model. Real returns vary and can be negative. Not advice.

Common questions

Is paying off a loan a good return?

Yes. It is a sure return equal to your loan rate, with no risk.

Do early repayment charges matter?

Yes. Check them and the yearly overpayment limit first.