EMI vs SIP for ₹2,800,000

11 Years @ 10%

Original Plan

11 Years @ 10%

EMI: ₹ 35,056

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 29,285

Monthly Savings

₹ 5,770

SIP Investment

@ 12% for 16 years

₹ 3,354,786

Extra Interest Paid

₹ 995,422

Final Outcome

₹ 2,359,364

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 10%, investing savings can generate ₹3,354,786.

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