EMI vs SIP for ₹2,000,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 24,003
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 22,022
Monthly Savings
₹ 1,982
SIP Investment
@ 12% for 20 years
₹ 1,979,950
Extra Interest Paid
₹ 964,608
Final Outcome
₹ 1,015,342
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 12%, investing savings can generate ₹1,979,950.
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