I am 30 years old, married with a 3 year old son . I have a home loan with principal outstanding of 19 lakhs carrying an interest of 10.15%. I pay an EMI of 40,000 a month. I invest in SIP every month worth 21000. I have a fixed deposit in a bank worth 23 lakhs that earns me a taxable interest of 8.75%. Should i use my fixed deposit to pay off the outstanding home loan?