Education Loan Repayment Need Help : Strategic Decision With Respect To Education Loan ( I require logic & calculation, to justify)

Situation: I recently completed my MBA, and my total fee was INR . 17,00,000.
Currently, my outstanding amount is INR Rs. 15,43,462 (principal) + INR Rs. 1,23,613 (interest) = INR Rs. 16,67,075. I'm 26 years old. It's a collateral-free loan.

I got placed in an MNC IT firm; my fixed salary component will be INR . 11,70,000, and my variable is around 2,88,000 (which they usually don't give in the first year). My joining will be in the middle of June 2024, and my first salary will be in July. I calculated my in hand after deducing every tax component, it was around INR Rs. 75,000.

We live in NCR, and currently in our household, every month, approx. Rs. 45,000 is required to run the home plus the expenses of 3 of us. There are no other loans. My father is getting retired in December 2024, and he has no pension; only healthcare for him and mother is covered under CGHS. Father's salary is around INR Rs. 60,000 per month in hand.

Confusing Decisions : (In all decisions, consider two scenarios with expense , first one if I continue living with my parents & wfh, and second one if I move out to other city (except Mumbai) ).

Decision 1: Should I start the loan as soon as the salary comes? or Bank has allowed us a moratorium period upto May 2025, and it can be extended upto 6 more months. It's important. I also want to know the income tax aspect of this.

Decision 2 : How much amount should I start paying, let us assume we start paying now, should I sustain in father's salary for 15 more months and completely put my salary towards loan. or should I pay the minimal amount as EMI and invest the savings into sum investment (ELSS, or other mutual fund) ?

Decision 3 : My father will get approx Rs. 50 lakhs in pf, he is telling that because he get 8% interest on it , rather than using my salary, we will clear the loan in lumpsum with this pf amount and then whatever the money I should had paid as EMI, we will keep it and either invest it in stocks or ELSS otherwise we will sell our present home (which is in his and mom's name ) and then we will take a new home under your name and get the loan.

Very confused, kindly someone help. If you can show using microsoft excel , it will be really great.