EMI vs SIP for ₹2,000,000

19 Years @ 10%

Original Plan

19 Years @ 10%

EMI: ₹ 19,625

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 18,348

Monthly Savings

₹ 1,277

SIP Investment

@ 12% for 24 years

₹ 2,136,697

Extra Interest Paid

₹ 809,618

Final Outcome

₹ 1,327,078

Profit from SIP strategy

Analysis

For ₹2,000,000 loan at 10%, investing savings can generate ₹2,136,697.

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