EMI vs SIP for ₹2,100,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 16,015

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 15,291

Monthly Savings

₹ 723

SIP Investment

@ 12% for 31 years

₹ 2,886,863

Extra Interest Paid

₹ 691,750

Final Outcome

₹ 2,195,113

Profit from SIP strategy

Analysis

For ₹2,100,000 loan at 8%, investing savings can generate ₹2,886,863.

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