EMI vs SIP for ₹2,500,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 22,524

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 21,829

Monthly Savings

₹ 695

SIP Investment

@ 12% for 31 years

₹ 2,773,244

Extra Interest Paid

₹ 1,092,934

Final Outcome

₹ 1,680,310

Profit from SIP strategy

Analysis

For ₹2,500,000 loan at 10%, investing savings can generate ₹2,773,244.

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