For most families, their home is already their largest single asset. If you own a house worth ₹1 crore, that is a significant portion of your net worth concentrated in one piece of real estate in one location. If you then use another ₹1 crore to pay off the loan on that same house, you are doubling down on that single asset. Your entire net worth becomes tied to the value of that one property and the health of that one neighborhood.