EMI vs SIP for ₹2,100,000

10 Years @ 7%

Original Plan

10 Years @ 7%

EMI: ₹ 24,383

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 18,875

Monthly Savings

₹ 5,507

SIP Investment

@ 12% for 15 years

₹ 2,778,895

Extra Interest Paid

₹ 471,637

Final Outcome

₹ 2,307,258

Profit from SIP strategy

Analysis

For ₹2,100,000 loan at 7%, investing savings can generate ₹2,778,895.

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