Home Loan - Preapy , Partial Pay or Don't Prepay

Hi,
This is a very common question for everyone who has bought a Home with the help of Home Loan. The context is only India where interest rates are high.
There are multiple sides to it. And there are different aspects from various people.

when Borrower takes Home Loan with floating interest rate it becomes more serious issue when specially the interest rates are going higher.

One can definitely partial pay the Home Loan and get rid of it instead of simply paying the EMI for 20 to 30 years.
>>The biggest advantage is saving a huge money which one pays for interest. With interest rate around 10% one neds up paying around 130% amount as interest on the principal amount.
>>It is alwasy best to prepay the principal in the early stages of the loan as, in initial 5 years the interest factor is almost around 70 to 90 % of the EMI and principal is very less. So prepaying at this stage reduces the interest by huge
>>Once the 60% of the principal is prepaid then one might think of repaying the remaing amount as regular EMIs.

Here is the example which worked well for me

I took a Home Loan of 15 lac in 2007 with 11.5% for 20 years.
In next 6 months the rate of interest went up to 13.5 and tenure was around 30 years.
The first step I took was keep the tenure same and increase the MI. Beleive me it increased the EMI just by a thousan Rs or so which is much better than paying an EMI of 15k for 120 additional months.
So I got the tenure back inline with 20 years.
Then when the pending tenure was around 189 months I just partially paid 1.5 Lac and the tenure was reduced to 120 months with the same EMI amount.
After 2 consecutive interest rate reduction the tenure further reduced by around 8 months.
When the tenure was around 110 months I paid 2.5 lac and it is not 68 months only.
So overall by prepaying around 4.5 lac Rs total 100 EMIs got reduced.

Now at this stage even if I pay the regular EMI the interest factor is not much. Out of remaing 68 EMIs = around 10 LAc the principal is approx 7 lac and the interest is around 3 lac which is very good.

I am bit confused now whether to further prepay or not?

One popular factor that always came in my mind was the Income Tax benefit.
But what I thought was - Paying yearly interest of around 1.5 Lac makes that amount invisible from the income. But then even with that I am not getting it at all. It might be adding some more salary due to tax deduction etc but unless I don't invest the excess money where I get more than 12% returns it does not make sense not to prepay.

I don't say this was the best solution but the when one prepays the home loan it is all about the mental satisfaction and getting rid of debits that you have.
Would like to hear from all.

thanks