Hello,good to hear that you have made an attempt to analyse which is the best option. Lets see which is the best option
Suppose you consider a prepayment Rs.20000 your loan will be closed in 6.8 years which means that you will have 40000 amount to invest in sip.So if you invest 40000 P.M in SIP for remaining period then the amount you can accumulate by the end of the 20 years is 1,30,70410 at an CAGR of 10% P.A
Prepayment of 15000 your loan will be your loan will be closed in 8 years which means for first 8 years you will invest only 5000 and remaning 12 years you can invest 40000 P.M in SIP then the amount you can accumulate by the end of the 20 Years is 11,788,420 at an CAGR of 10% P.A
Prepayment of 10000 your loan will be closed in 9.5 Years which means for first 9.5 Years you can invest invest 10000 and for remaning period you can invest 40000 P.M in SIP then the amount you can accumulate by the end of the 20 Years is 1,0,74,7836 at a CAGR of 10% P.A
Prepayment of 5000 your loan will be closed in 12.6 Years which means
for first 12.6 Years you can invest 15000 and for remaning period
you can invest 40000 P.M in SIP then the amount you can accumulate by
the end of the 20 Years is 9,802,506 at a CAGR of 10% P.A 97,42,402 at a CAGR of 10% P.A
Considering no prepayment the amount of corpus you can can accumulate by the end of 20 Years is by invest menting the spare amount of 20000 will be 15187376 at a CAGR of 10%
If you are under the Fixed loan rate then it is better option to go with the no prepayment option, But, if you come under the floating rate then it always better to mix the options i.e prepayment of 10000 and 10000 in SIP would be better option because under a floating rate there is a possiblity of increase in the interest rate which might impact your loan payment considerably
With Regards!!!!