A Bengaluru couple earning ₹1 lakh each cracked the code to beat home loan interest—without making extra repayments.

In a LinkedIn post, Sujith SS, founder of Moneydhan.com and a SEBI-registered investment advisor, shared how smart investing helped a dual-income couple neutralize the interest burden of an ₹80 lakh home loan. Advertisement

Back in 2022, the couple took a 20-year home loan at 8.5% interest, locking in a monthly EMI of ₹69,426. The wife shouldered the EMI, while the husband managed all household expenses. “Over 20 years, they would pay the bank ₹1.67 crore—₹80 lakh in principal and ₹86.6 lakh in interest,” Sujith wrote.

But a small tweak changed everything.

A year into the loan, the wife received a ₹10,000 monthly salary hike. “What do most people do with a hike? They sp

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