Home loan borrowers are considering prepaying loans before March 31, 2026, to maximize tax benefits under Sections 80C and 24(b). Prepayments reduce the principal, lowering interest outgo and potentially maximizing annual interest deductions. However, experts suggest that the long-term interest savings between a March and April prepayment are minimal. The decision should prioritize cash flow comfort over tax compulsion, as prepayments do not increase deductions beyond prescribed limits.