EMI vs SIP for ₹2,400,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 33,928

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 24,794

Monthly Savings

₹ 9,134

SIP Investment

@ 12% for 13 years

₹ 3,433,852

Extra Interest Paid

₹ 610,738

Final Outcome

₹ 2,823,114

Profit from SIP strategy

Analysis

For ₹2,400,000 loan at 8%, investing savings can generate ₹3,433,852.

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