Last reviewed: 4 September 2026. Worked numbers use the same engines as the linked calculators. Not advice.
Prepaying a 9% loan is a guaranteed-rate decision (minus fees). A 12% SIP assumption is not guaranteed. The EMI vs SIP page puts those cash-flows on one screen so you see the model, not a slogan.
If the loan rate is close to a conservative post-tax debt-fund return, prepay vs invest is a preference about liquidity and behaviour. If you carry 18%+ unsecured EMI, the investment comparison is usually a distraction.
Related: prepayment, SIP, debt payoff.
Educational estimates only. Confirm with your bank, AMC or a registered advisor. Disclaimer ยท Methodology.