EMI vs SIP for ₹2,700,000

17 Years @ 9%

Original Plan

17 Years @ 9%

EMI: ₹ 25,888

Extended Plan

22 Years (Reduced EMI)

EMI: ₹ 23,522

Monthly Savings

₹ 2,366

SIP Investment

@ 12% for 22 years

₹ 3,066,088

Extra Interest Paid

₹ 928,639

Final Outcome

₹ 2,137,449

Profit from SIP strategy

Analysis

For ₹2,700,000 loan at 9%, investing savings can generate ₹3,066,088.

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