EMI vs SIP for ₹2,800,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 30,830
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 29,490
Monthly Savings
₹ 1,340
SIP Investment
@ 12% for 25 years
₹ 2,543,089
Extra Interest Paid
₹ 1,447,784
Final Outcome
₹ 1,095,305
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 12%, investing savings can generate ₹2,543,089.
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