EMI Bharein ya Mutual Fund Mein Lagayein – Sabse Pehle Kya Karein?
Zindagi mein ek time aata hai jab hum apne sapne poore karne ke liye loan lete hain—shayad apna ghar ho, ek nayi car ho ya higher education ka plan ho. Loan lete hi EMI ka silsila shuru ho jata hai. Saath hi, doosri taraf, hum future ke liye paisa invest bhi karna chahte hain—taaki savings badein aur financial freedom mile.
Lekin sawal wahi: pehle loan chukayein ya investment shuru karein? Ye confusion har dusre insaan ke dimaag mein hota hai. Chaliye baat karte hain ispe—ekdum simple aur real terms mein.
1. Sabse Pehle: Loan ka Interest Rate Dekhiye
Aapka loan agar 12% interest pe hai, aur mutual fund se aapko 12-14% return milne ki umeed hai, to kya mutual fund behtar option hai?
Thoda ruk ke sochein—mutual fund ke returns sure nahi hote, market ke mood pe depend karte hain. Lekin loan ka interest har mahine katega—fix.
Agar aapke loan ka interest high hai (jaise credit card ya personal loan), to pehle usse chukana hi better hai. Kyunki aap jitna zyada interest bharte rahenge, utna hi wealth banana mushkil hota jaayega.
2. Mental Shanti Ka Sawal Hai
EMI chukate rehna sirf financial nahi, emotional load bhi hota hai. Har mahine ek fixed amount jaa raha hota hai, aur wo freedom nahi milti ki aap kuch aur soch saken.
Agar aap loan-free hone ke kareeb hain, to thoda aur push karke usse nipta dena behtar hota hai. Khud sochiye—ek din jab aapke upar koi EMI nahi hogi, kitni relief milegi?
3. Emergency Fund Hai Ya Nahi?
Yeh ek aisa point hai jise log ignore kar dete hain. Loan chukana ya investment tabhi kaam karega jab aapke paas kuch backup ho. Kya aapke paas 3-6 mahine ke kharche ke barabar savings hain?
Agar nahi, to sabse pehle emergency fund banaiye. Kyunki agar kal ko koi unexpected medical ya job issue aa gaya, to aapko na loan chukane ka time milega, na market ke ups and downs se deal karne ka.
4. Ek Balance Banaiye – Dono Ho Sakte Hain Saath
Yeh zaroori nahi ki aapko sirf ek hi raasta chunna pade. Aap chahein to dono ka mix le sakte hain.
Jaise maan lijiye aap home loan bhar rahe hain jiska interest rate manageable hai. Aap monthly SIP bhi chhoti amount se shuru kar sakte hain. Saath hi saath, agar bonus mile ya salary hike ho, to usse loan ka kuch hissa prepay kar sakte hain.
Isse aap EMI bhi manage kar rahe hain, aur wealth bhi slowly build kar rahe hain.
5. Tax Benefits – Ek Bonus Angle
Home loan aur mutual fund dono me tax-saving ka scope hota hai. ELSS mutual fund me invest karne se section 80C ke under deduction milta hai, aur home loan ke principal + interest dono pe bhi tax benefits milte hain. Soch samajh ke dono ka smart combo banaya ja sakta hai.
Toh Aakhir Mein Kya Sahi Hai?
Koi ek universal formula nahi hai. Lekin ek basic roadmap yeh ho sakta hai:
-
Emergency fund sabse pehle
-
High-interest loans ko jaldi chukao
-
Low-interest loans pe regular EMI chalao
-
Saath hi mutual fund me SIP shuru karo – jitna comfortably ho sake
-
Bonus ya extra income se loan ka part-prepayment karo
Final Thought – Apne Hisab Se Chalein
Dekhiye, paisa manage karna ek personal journey hai. Kya aap risk le sakte hain? Kya income stable hai? Kya EMI stress de rahi hai? In sab sawalon ke jawab aap hi de sakte hain.
Lekin ek baat pakki hai: Jitni jaldi aap plan banana shuru karenge, utni jaldi aap financially free honge.
To EMI pehle bharein ya mutual fund mein lagayein?
