EMI vs SIP for ₹2,800,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 29,315
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 28,709
Monthly Savings
₹ 606
SIP Investment
@ 12% for 31 years
₹ 2,418,061
Extra Interest Paid
₹ 1,533,460
Final Outcome
₹ 884,601
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 12%, investing savings can generate ₹2,418,061.
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