EMI vs SIP for ₹2,900,000

25 Years @ 12%

Original Plan

25 Years @ 12%

EMI: ₹ 30,544

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 29,830

Monthly Savings

₹ 714

SIP Investment

@ 12% for 30 years

₹ 2,519,422

Extra Interest Paid

₹ 1,575,665

Final Outcome

₹ 943,757

Profit from SIP strategy

Analysis

For ₹2,900,000 loan at 12%, investing savings can generate ₹2,519,422.

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