📊 EMI Increase vs 💰 Lumpsum: Which Saves More?
Both strategies work. Here’s how to choose based on cash flow, discipline, and goals.
Quick Comparison
| Aspect | EMI Increase | Lumpsum Prepay |
|---|---|---|
| Commitment | Automatic increases (discipline) | Manual, when surplus available |
| Flexibility | Fixed plan | High flexibility |
| Best For | Stable, growing income | Bonuses/variable income |
| Outcome | Lower tenure + interest | Lower tenure + interest |
What to Try First
- Start with a ₹1,000–₹2,000 annual step-up in EMI Increase Impact.
- Plan a ₹50,000–₹1,00,000 prepayment using Loan Prepayment.
- Combine both for best results: modest step-up + one prepayment after 6 months.
Target-Based Planning
Set a target year in One-time EMI increase; see required EMI vs lumpsum to hit that date — choose the comfortable path.