EMI vs SIP for ₹2,000,000

12 Years @ 7%

Original Plan

12 Years @ 7%

EMI: ₹ 20,568

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 16,793

Monthly Savings

₹ 3,774

SIP Investment

@ 12% for 17 years

₹ 2,521,006

Extra Interest Paid

₹ 464,078

Final Outcome

₹ 2,056,928

Profit from SIP strategy

Analysis

For ₹2,000,000 loan at 7%, investing savings can generate ₹2,521,006.

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