EMI vs SIP for ₹2,000,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 15,169
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 13,937
Monthly Savings
₹ 1,233
SIP Investment
@ 12% for 26 years
₹ 2,651,639
Extra Interest Paid
₹ 525,569
Final Outcome
₹ 2,126,070
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 7%, investing savings can generate ₹2,651,639.
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