EMI vs SIP for ₹2,100,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 23,123
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 22,118
Monthly Savings
₹ 1,005
SIP Investment
@ 12% for 25 years
₹ 1,907,316
Extra Interest Paid
₹ 1,085,838
Final Outcome
₹ 821,479
Profit from SIP strategy
Analysis
For ₹2,100,000 loan at 12%, investing savings can generate ₹1,907,316.
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