EMI vs SIP for ₹2,300,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 17,540

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 16,747

Monthly Savings

₹ 792

SIP Investment

@ 12% for 31 years

₹ 3,161,802

Extra Interest Paid

₹ 757,631

Final Outcome

₹ 2,404,172

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 8%, investing savings can generate ₹3,161,802.

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