EMI vs SIP for ₹2,800,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 28,801
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 28,435
Monthly Savings
₹ 366
SIP Investment
@ 12% for 35 years
₹ 2,375,702
Extra Interest Paid
₹ 1,574,450
Final Outcome
₹ 801,252
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 12%, investing savings can generate ₹2,375,702.
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