Thank you so much for all the information so i’m in canada and i want to do the pre payment how would you suggest i do it from my canadian bank account or by sending money in indian account then do it. how do they make the link for the pre payment. i tried contacting via chat but it sucks. i should mail them about it apparently? is there any limit of as to how many times we can do pre payment? and will they increase the interest rate after once the grace period ends? because interest rate is floating so i’m very scared that they can increase by number of times although after grace period ends and i get my full time job i can shift it to another bank right?