How do I pay 2 loans most efficiently?

Hey Grapeviners, I need help from all the experienced folks out there. I and my father have 2 loans: 1. Educational Loan EMI - ₹6500/month for 15 years (₹ 7 lakh loan) 2. Home Loan EMI - ₹22500/month for 9 years (₹ 17.5 lakhs loan) I am 22 and started my full-time career this month and wanted to understand how to repay 2 loans along with my father quickly with less financial burden. (I am the only child) My expenses - 1. Paying Home Loan EMI - ₹ 22500/month 2. Investments - ₹ 30000/month 3. Petrol - ₹ 5000/month 4. Miscellaneous - ₹ 5000/month 5. Left with - ₹ 20500/month (lumpsum) Should I create an emergency fund for myself first with the remaining amount or what else should I do, totally blank in this case? My father looks after the household expenses, education loan, and his own investments. Not sure, how much he is left with at the end of the month as I am not aware of his income. (He has a private job) P.S. - 1. I spend consciously and don't have a bad spending habits. I love to drive (bought a car myself in Dec 2022) and climb mountains, so I manage to do treks every 3 months. 2. I am rigid about my investment amount, so may not compromise on that part. Would be forever grateful, if I get some helpful suggestions.