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Guide to Loan Prepayment & Foreclosure

Paying off your loan early can save interest, but watch out for penalties. Here is what you need to know.

What is Prepayment?

Paying more than your EMI or paying off the entire loan before the tenure ends.

As per RBI rules, banks cannot charge foreclosure penalties on floating rate home loans for individuals.

Lenders may charge a penalty (usually 2-4% of outstanding principal) for fixed-rate loans or business loans.

Prepaying early in the tenure saves a massive amount of interest. Even small extra payments help reduce the tenure significantly.

Our financial experts are ready to help you navigate your options.

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