EMI vs SIP for ₹2,200,000

14 Years @ 8%

Original Plan

14 Years @ 8%

EMI: ₹ 21,809

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 18,799

Monthly Savings

₹ 3,010

SIP Investment

@ 12% for 19 years

₹ 2,634,703

Extra Interest Paid

₹ 622,267

Final Outcome

₹ 2,012,436

Profit from SIP strategy

Analysis

For ₹2,200,000 loan at 8%, investing savings can generate ₹2,634,703.

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