EMI vs SIP for ₹2,100,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 15,073

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 14,115

Monthly Savings

₹ 958

SIP Investment

@ 12% for 29 years

₹ 2,990,846

Extra Interest Paid

₹ 570,917

Final Outcome

₹ 2,419,929

Profit from SIP strategy

Analysis

For ₹2,100,000 loan at 7%, investing savings can generate ₹2,990,846.

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