EMI vs SIP for ₹2,800,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 33,605
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 30,830
Monthly Savings
₹ 2,774
SIP Investment
@ 12% for 20 years
₹ 2,771,930
Extra Interest Paid
₹ 1,350,452
Final Outcome
₹ 1,421,478
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 12%, investing savings can generate ₹2,771,930.
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