EMI vs SIP for ₹2,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 22,639
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 21,371
Monthly Savings
₹ 1,268
SIP Investment
@ 12% for 23 years
₹ 1,867,409
Extra Interest Paid
₹ 1,008,452
Final Outcome
₹ 858,957
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 12%, investing savings can generate ₹1,867,409.
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