EMI vs SIP for ₹2,500,000

13 Years @ 11%

Original Plan

13 Years @ 11%

EMI: ₹ 30,188

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 26,626

Monthly Savings

₹ 3,562

SIP Investment

@ 12% for 18 years

₹ 2,726,451

Extra Interest Paid

₹ 1,041,911

Final Outcome

₹ 1,684,539

Profit from SIP strategy

Analysis

For ₹2,500,000 loan at 11%, investing savings can generate ₹2,726,451.

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