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Is it good to have Home loan partial pre-payment or Invest surplus amount in other schemes

I am 35 Now. I have home loan of 18 lakhs (current outstanding Principle will be approx 15 lakhs- Tenure remaining 98 months).

I have a current savings of approx INR 7 lakhs. Is it benefitial to do partial pre-payment of home loan ? or if I invest in other options like MF, Fixed Deposit – it will be benefitial? Please suggest.

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