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@allspiceberry143 Nope, don't touch your emergency fund. It is for emergency! :) Find ways to increase prepayment of your HL. Do not officially increase your EMI, just pre-pay as and when you can.

@allspiceberry143 Well, I would personally get rid of debt regardless of tax benefits. You may want to check annual interest paid on HL vs Tax saved and decide accordingly. Don't work on random numbers. Set a goal of savings and work in reverse to achieve. e.g. Get data of last 6 months/12...

@allspiceberry143 Congratulations on such a nice income at this young age. Kudos buddy. I wonder why no one has mentioned prepayment of home loan. I would encourage you to cut down on eat outs and other not-so-necessary expenses and divert all that funds towards HL payment. ~30K for a single...