🏡Home Loan EMI 30 Yrs vs 15 Yrs

Hi People, I recently took a home loan of 90Lakhs from SBI

The EMI would be 70k/ month for 30 Yrs 80k/ month for 20 Yrs 90k/ month for 15 Yrs

For me 15 Yrs made sense. But the bank manager opened the loan with 30 Yrs saying even if the tenurr is 30 Yrs if you pay 15 Yrs EMI i.e 90k instead of 70k every month the tenure automatically reduces to 15 Yrs

But I feel he is hiding something that can be a loss for me

Can you share some knowledge, is manager true?

If I can pay 90K/ month should I change my tenure to 15 Yrs only?

Thanks in Advance