EMI vs SIP for ₹2,100,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 22,863
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 21,986
Monthly Savings
₹ 877
SIP Investment
@ 12% for 26 years
₹ 1,885,860
Extra Interest Paid
₹ 1,098,234
Final Outcome
₹ 787,626
Profit from SIP strategy
Analysis
For ₹2,100,000 loan at 12%, investing savings can generate ₹1,885,860.
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