Should I invest while paying EMIs or clear loans first?

Short answer
You can invest while paying EMIs, but only if your loan EMIs are comfortable and under control. If EMIs are stressing your monthly budget, clear loans first.

When Investing Along With EMIs Makes Sense

If your EMI takes up a manageable part of your income and you still have surplus after expenses, investing is a good idea. Long-term investments like SIPs work best when started early. Time matters more than amount. Agar EMI smoothly chal rahi hai aur emergency fund bana hua hai, investing continue karna logical hai.

Also, low-interest loans like home loans can run alongside investments. Over long periods, investments may grow faster than loan interest.

When Clearing Loans Should Come First

If you are juggling multiple EMIs or struggling every month, loan repayment should be the priority. High-interest loans like personal loans or credit card dues should be cleared early. Investing while paying expensive interest does not make sense. Mental stress bhi kaafi hota hai is situation mein.

A Balanced Approach

Many people do both. They invest a small amount and use the extra funds for partial prepayments. Isse habit bhi bani rehti hai aur loan burden bhi dheere dheere kam hota hai. Balance approach kaafi practical hota hai for salaried people.

Key Things to Check

Make sure you have an emergency fund of at least 3 to 6 months of expenses. Keep total EMIs within a safe range of your income. Avoid starting investments by taking more loans.

Final Takeaway

If EMIs are under control, invest alongside them. If EMIs are overwhelming, clear loans first. Right decision depends on cash flow, not theory. Thoda realistic planning rakho, dono goals achieve ho jaate hain.