Smart planning can dramatically shorten your home loan tenure — and help you achieve financial stability and freedom years ahead of schedule. A small tweak in how borrowers schedule their EMI payments, according to tax and finance expert CA Nitin Kaushik, could shave off several years from a typical 20–30 year mortgage while saving several lakhs in interest outgo. Advertisement

In a post on X (formerly Twitter), Kaushik outlined what he calls a “quiet home-loan hack” that works without increasing the borrower’s monthly EMI. The strategy: swap the traditional single monthly EMI for two smaller payments every 15 days.

“Most people think a 20-30 year home loan is just something to ‘live with,’” Kaushik wrote. “But there’s a simple tweak that can quietly shorten your loan tenure — without

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