EMI vs SIP for ₹2,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 23,475
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 21,774
Monthly Savings
₹ 1,701
SIP Investment
@ 12% for 21 years
₹ 1,936,326
Extra Interest Paid
₹ 979,942
Final Outcome
₹ 956,385
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 12%, investing savings can generate ₹1,936,326.
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