EMI vs SIP for ₹2,200,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 21,024
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 18,402
Monthly Savings
₹ 2,623
SIP Investment
@ 12% for 20 years
₹ 2,620,430
Extra Interest Paid
₹ 632,021
Final Outcome
₹ 1,988,408
Profit from SIP strategy
Analysis
For ₹2,200,000 loan at 8%, investing savings can generate ₹2,620,430.
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