I see great potential to earn income on top of EMI using this money (use 70:30 or 60:40 in equity/debt).
If home loan is paid off , there is nothing remaining.
Savings will have to build from scratch and may miss the ongoing bull run.
Benefit of home loan pay off: Paid off flat, no tension of loan, build savings slowly.
Benefit of investment: returns keep paying the EMI AND extra income every year (EMI requires 10 lakh annual returns but 1CR may generate 13-15 lakh annually. Also, loan interest benefit in tax savings. (60k annually)
What’s your opinion?