Prepay with 2% penalty now or continue ₹45K EMI for 2–3 years before selling?

I’m stuck with a home loan decision and would really appreciate some practical inputs.

Current situation: I have an outstanding loan of around ₹55–60L at ~8.6% interest, with an EMI of roughly ₹45K per month. I’m planning to sell the property in the next 2–3 years. I'm deciding whether to prepay a large chunk now. The catch is there’s a prepayment/closure cost of around 2% on the outstanding amount, which comes to roughly ₹1.1–1.2L. If I continue with the EMI, I’ll end up paying ₹10–12L more in EMIs over the next 2–3 years, out of which a good portion will still be interest. But if I prepay now, I save on future interest but take the hit of the penalty upfront. I’m finding it tricky to clearly compare these two options and understand what actually makes more financial sense. Has anyone here dealt with a similar situation and run the numbers? How did you approach this decision?

I'd appreciate any insights or frameworks to consider this.