EMI vs SIP for ₹2,100,000

5 Years @ 8%

Original Plan

5 Years @ 8%

EMI: ₹ 42,580

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 25,479

Monthly Savings

₹ 17,102

SIP Investment

@ 12% for 10 years

₹ 3,973,378

Extra Interest Paid

₹ 502,630

Final Outcome

₹ 3,470,748

Profit from SIP strategy

Analysis

For ₹2,100,000 loan at 8%, investing savings can generate ₹3,973,378.

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