EMI vs SIP for ₹2,800,000

29 Years @ 7%

Original Plan

29 Years @ 7%

EMI: ₹ 18,820

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 18,012

Monthly Savings

₹ 808

SIP Investment

@ 12% for 34 years

₹ 4,646,743

Extra Interest Paid

₹ 799,625

Final Outcome

₹ 3,847,118

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 7%, investing savings can generate ₹4,646,743.

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