Home Loan Prepayment Under New Tax Regime: Calculate Your Real Savings in 2025
By MoneyCal Editorial Team • Published 2026
The Finance Ministry's amendments to the new tax regime in April 2025 have significantly impacted home loan prepayment decisions. With changes in interest deduction limits and standard deductions, borrowers need to recalculate their prepayment strategies. The revised rules allow home loan interest deduction of up to ₹3.5 lakh annually under the new regime, making prepayment decisions more complex than before.