EMI vs SIP for ₹2,200,000

12 Years @ 11%

Original Plan

12 Years @ 11%

EMI: ₹ 27,578

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 23,878

Monthly Savings

₹ 3,700

SIP Investment

@ 12% for 17 years

₹ 2,471,201

Extra Interest Paid

₹ 899,925

Final Outcome

₹ 1,571,276

Profit from SIP strategy

Analysis

For ₹2,200,000 loan at 11%, investing savings can generate ₹2,471,201.

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