Fair comparison: same total monthly outflow in both strategies.
Loan details
Your surplus cash
Monthly payments
Off. In Strategy Invest the full eNACH ₹56,135 (EMI + built-in prepay ₹9,863) is auto-debited to the loan — only the manual extra is invested. Flip it to invest the built-in prepay too.
Investment assumptions
Strategy Invest at Yr 15
₹4.35Cr
loan done at Yr 6.2
Strategy Prepay at Yr 15
₹4.11Cr
loan done at Yr 2.3
Invest ahead by
₹23.3L
Invest wins at 13% XIRR
Strategy Invest ends ₹23.3L richer over 15 years.
Why
Projection only — market returns aren't guaranteed, and taxes, prepayment penalties and home-loan tax benefits (24b/80C) aren't modelled. Not financial advice.
What's happening
Your eNACH of ₹56,135 already contains ₹9,863 built-in prepayment over the bank's required EMI of ₹46,272 — so your loan is already closing faster than schedule even in Strategy Invest.
Strategy Prepay additionally throws ₹50,000/mo + lump sum ₹6.8L at the loan, closing it at Yr 2.3 vs Strategy Invest's Yr 6.2. At the moment Prepay's loan closes, Strategy Invest already has ₹24.7L compounding — that's the head-start gap.