EMI vs SIP for ₹2,100,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 21,986
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 21,532
Monthly Savings
₹ 454
SIP Investment
@ 12% for 31 years
₹ 1,813,545
Extra Interest Paid
₹ 1,150,095
Final Outcome
₹ 663,451
Profit from SIP strategy
Analysis
For ₹2,100,000 loan at 12%, investing savings can generate ₹1,813,545.
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