EMI vs SIP for ₹2,200,000

27 Years @ 10%

Original Plan

27 Years @ 10%

EMI: ₹ 19,670

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 19,123

Monthly Savings

₹ 547

SIP Investment

@ 12% for 32 years

₹ 2,466,156

Extra Interest Paid

₹ 970,197

Final Outcome

₹ 1,495,959

Profit from SIP strategy

Analysis

For ₹2,200,000 loan at 10%, investing savings can generate ₹2,466,156.

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