EMI vs SIP for ₹2,300,000

27 Years @ 8%

Original Plan

27 Years @ 8%

EMI: ₹ 17,348

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 16,630

Monthly Savings

₹ 719

SIP Investment

@ 12% for 32 years

₹ 3,240,235

Extra Interest Paid

₹ 764,976

Final Outcome

₹ 2,475,258

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 8%, investing savings can generate ₹3,240,235.

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