EMI vs SIP for ₹2,200,000

20 Years @ 8%

Original Plan

20 Years @ 8%

EMI: ₹ 18,402

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 16,980

Monthly Savings

₹ 1,422

SIP Investment

@ 12% for 25 years

₹ 2,697,915

Extra Interest Paid

₹ 677,583

Final Outcome

₹ 2,020,331

Profit from SIP strategy

Analysis

For ₹2,200,000 loan at 8%, investing savings can generate ₹2,697,915.

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