A lower rate with a higher fee can cost more. Compare true total cost — the only number that matters.
| Metric | Offer A | Offer B ★ |
|---|---|---|
| Monthly EMI | ₹52,211 | ₹50,713 |
| Total Interest | ₹43,98,022 | ₹41,28,399 |
| Processing Fee | ₹25,000 | ₹50,000 |
| Total Cost | ₹94,23,022 | ₹91,78,399 |
Offer B costs ₹2,44,623 less over the full tenure.
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