EMI vs SIP — A Lesson from a Fellow Teacher’s Story

Last December, when I was at HIPA Shimla for a training session, I met my colleague Mohit after a long time. Over evening tea, as he now resides there, he leaned closer and shared something that struck me deeply.

He sighed and said, ‘Every month, I pay nearly ₹20,000 in EMIs… and yet, after years, I have nothing to show for it.’

That night, I couldn’t stop thinking. What if the same ₹20,000 had gone into a SIP instead?

• After 20 years, it could grow into ₹2 Crore.
• The same amount spent on EMIs? Zero wealth, only stress.

This simple choice makes all the difference:
EMIs = Stress + Short-term assets
SIPs = Freedom + Long-term growth

I created this 1-minute visual inspired by Mohit’s struggle—because many teachers and families are in the same boat.

Are your ₹20,000 going toward EMIs or SIPs?

The answer decides whether you stay stuck in the cycle of debt or step into financial freedom.

Your future deserves the smarter choice.