loans and debt (borrowing)

I am not able to decide whether to pay off my housing loan or invest using the surplus every month. I have a fair idea about the benefit I will get on my investments in the long run (compared to prepaying the loan), but I want to incorporate the tax benefit (on housing loan interest and...

In Feb 2019, I took a home loan of 30 lakhs at an interest rate of 8.95% for a period of 25 years (300 months) from HDFC. This meant I would end up paying a whopping 44 lakhs as interest on the 30 lakh loan. That's 74 lakhs, a staggering amount that a lot of borrowers do not take into account...