EMI vs SIP for ₹2,100,000

13 Years @ 10%

Original Plan

13 Years @ 10%

EMI: ₹ 24,105

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 20,997

Monthly Savings

₹ 3,108

SIP Investment

@ 12% for 18 years

₹ 2,379,056

Extra Interest Paid

₹ 774,941

Final Outcome

₹ 1,604,115

Profit from SIP strategy

Analysis

For ₹2,100,000 loan at 10%, investing savings can generate ₹2,379,056.

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₹81L Loan for 28 years at 11% vs SIP ₹37L Loan for 12 years at 8% vs SIP ₹38L Loan for 8 years at 12% vs SIP ₹25L Loan for 24 years at 7% vs SIP ₹98L Loan for 15 years at 10% vs SIP ₹30L Loan for 18 years at 12% vs SIP
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