Take control of your personal loan with strategic partial payments. By paying a lump sum over your regular EMI, you slash interest costs and can either shorten your loan tenure or lower your monthly EMI. Before you proceed, calculate net savings after any prepayment fees, confirm your lender’s limits, and ensure you’re not dipping into emergency funds. Follow easy steps—choose an amount, inform your bank, make the payment, and update your schedule—to fast-track debt freedom.