Need help in Clearing home loan

What you have to do is to evaluate some things thoroughly.

1) Interest rate you are being charged on home loans.

2) Returns you are getting on that PF if already invested or if you are planning to invest.

3)amount/tenure left in your loan repayment.

If 2)>1) then you can continue with investing the amount and paying emi as you are doing it now. Otherwise take some professional help from Investment advisers.

Usually, home loans carry 7.5 -9% interest depending on your tenure and timing of loan which is easily achievable if amount is invested with proper risk management.

hmm need more data in numbers , its hard to asses without numbers (as this varies based on case to case basis)

because numbers makes the answer for your question

1) need to know whats the remaining loan amount, tenure and Rate of interest

2) need to know the lumpsum amount you have in hand (after negating LIFE EXPENSES for next 10 years atleast)

Retired employees must clear all loans (even it is zero rate of interest), if they have surplus money. Else, their children/scamster/relatives will loot the money.

Depends

1. How big is the remaining amount and tenure? The interest rate?

2. Will he be getting a pension? How much?

3. Does he have any life insurance?

4. Does he have any other debt or obligations(children's marriage or medical care for someone in the family)?