EMI vs SIP for ₹2,100,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 22,440
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 21,769
Monthly Savings
₹ 671
SIP Investment
@ 12% for 28 years
₹ 1,850,983
Extra Interest Paid
₹ 1,120,939
Final Outcome
₹ 730,044
Profit from SIP strategy
Analysis
For ₹2,100,000 loan at 12%, investing savings can generate ₹1,850,983.
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