Mortgage termination in India is influenced by factors like market interest rates, house prices, and borrower characteristics. Using a Cox proportional hazard model, researchers found that financial concerns, loan to value ratio, house price, and monthly income ratio are important determinants of mortgage termination. Self-employed, low-educated, or single borrowers are less likely to prepay their loans. Irregular repayment behavior can lead borrowers to prepay their loans if they fall behind on payments.