EMI vs SIP for ₹2,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 20,572
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 20,311
Monthly Savings
₹ 261
SIP Investment
@ 12% for 35 years
₹ 1,696,930
Extra Interest Paid
₹ 1,124,607
Final Outcome
₹ 572,323
Profit from SIP strategy
Analysis
For ₹2,000,000 loan at 12%, investing savings can generate ₹1,696,930.
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