THIS IS A VIEW-ONLY EXCEL SHEET.

DOWNLOAD THIS SHEET (FILE -> DOWNLOAD AS XLSX) AND THEN USE IT ON YOUR OWN

This sheet has been prepared by Ankur Warikoo, who is NOT a financial advisor :)
So use this sheet with your judgement and not like "this is my final decision"

All cells in green are input cells, which means you have to put in the number
All other cells - ideally you should not touch them. But I have kept them open, so that you can see the formula and how it works

NOTE:
Since I am not a financial advisor, there could be some errors in the sheet. If there are, send me an email and I will fix them. Simple :)

Hope you find this useful.

Loan Amount remaining 1,000,000
Loan Interest Rate 8%
Current month of the loan 15
Months remaining for the loan 60
Lumpsum amount you have? 100,000
Amount you can invest every month? 7,000
Return you can generate every year? 10%

Over the tenure of your loan

You will pay interest of: 172,863
You would have invested: 520,000
Your investment would have grown to: 706,590
Which means you made an excess of: 186,590
This means you should INVEST THE AMOUNT