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You can also liquidate your MF, total LIC + MF should be around ~ 3L, will reduce the EMI burden.

@iamlookingforanswers The LIC endowment plans are useless and will not generate more than 6% returns and insurance is quite less. Close the policy, with whatever you get and bulk pay the loans. You will be better off without the policy and you already have a term plan also.

@iamlookingforanswers Can you share what LIC policy you are paying? How much have you accumulated?