Should I use my EPF balance to partially prepay my home loan?

I bought a flat in Kolkata in 2023 by taking a home loan from HDFC Bank at an interest rate of 8.4%. I am under the new tax regime, so I believe there are no tax benefits on the home loan.

I noticed that the EPF interest rate is 8.15%, which is slightly lower than my home loan rate of 8.4%. I’m considering using a part of my EPF balance to prepay some of the loan amount.

Would it be a good idea to do this? Or should I avoid touching my EPF since it’s primarily for retirement? Any advice or insights would be appreciated.