EMI vs SIP for ₹2,200,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 35,756
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 27,911
Monthly Savings
₹ 7,846
SIP Investment
@ 12% for 13 years
₹ 2,949,403
Extra Interest Paid
₹ 921,462
Final Outcome
₹ 2,027,941
Profit from SIP strategy
Analysis
For ₹2,200,000 loan at 12%, investing savings can generate ₹2,949,403.
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