EMI vs SIP for ₹2,100,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 21,601
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 21,327
Monthly Savings
₹ 274
SIP Investment
@ 12% for 35 years
₹ 1,781,777
Extra Interest Paid
₹ 1,180,838
Final Outcome
₹ 600,939
Profit from SIP strategy
Analysis
For ₹2,100,000 loan at 12%, investing savings can generate ₹1,781,777.
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