EMI vs SIP for ₹2,800,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 46,483

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 33,462

Monthly Savings

₹ 13,021

SIP Investment

@ 12% for 12 years

₹ 4,196,086

Extra Interest Paid

₹ 913,957

Final Outcome

₹ 3,282,128

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 10%, investing savings can generate ₹4,196,086.

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