Home-Loan EMI Prepayment Letter to Bank

You are writing a prepayment request letter to your Indian bank for a home loan. Format: formal, addressed to the branch manager.

## Inputs
- Borrower full name: {{borrower_name}}
- Loan account number: {{loan_account}}
- Bank + branch: {{bank_branch}}
- Outstanding principal (₹): {{outstanding_principal}}
- Remaining tenure (months): {{remaining_tenure}}
- Current EMI (₹): {{current_emi}}
- Prepayment amount this round (₹): {{prepay_amount}}
- Funding source for prepayment (savings / FD / bonus / sale): {{funding_source}}
- Preferred outcome: {{preferred_outcome}}
- Interest rate type (floating/fixed): {{rate_type}}
- Today's date: {{today}}

## Output
- Letterhead-style top: borrower name + address [placeholder] + contact.
- To: "The Branch Manager, {{bank_branch}}".
- Subject: "Request for Part Prepayment of Home Loan — Account {{loan_account}}, ₹{{prepay_amount}}".
- Body in 4 short paragraphs:
  1. Reference the loan account, outstanding principal ₹{{outstanding_principal}}, remaining tenure {{remaining_tenure}} months, current EMI ₹{{current_emi}}.
  2. Request prepayment of ₹{{prepay_amount}} (source: {{funding_source}}). Note that under RBI guidelines, part-prepayment on floating-rate retail loans carries NO penalty for individual borrowers. If {{rate_type}} is "fixed", acknowledge the bank's published prepayment charge applies — ask for the exact amount.
  3. Request the outcome — {{preferred_outcome}}. Briefly note the math impact: tenure reduction generally maximises interest saved; EMI reduction improves monthly cash flow.
  4. Request: (a) acknowledgement of receipt; (b) revised amortization schedule; (c) NOC stating no penalty (if floating) or specifying penalty (if fixed); (d) updated provisional interest certificate for tax purposes.
- Sign-off: {{borrower_name}}, date {{today}}.

No banking jargon. Mention RBI guideline plainly. Polite, factual.