EMI vs SIP for ₹2,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 20,939
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 20,506
Monthly Savings
₹ 433
SIP Investment
@ 12% for 31 years
₹ 1,727,186
Extra Interest Paid
₹ 1,095,328
Final Outcome
₹ 631,858
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 12%, investing savings can generate ₹1,727,186.
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