EMI vs SIP for ₹2,200,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 38,836

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 28,895

Monthly Savings

₹ 9,941

SIP Investment

@ 12% for 12 years

₹ 3,203,442

Extra Interest Paid

₹ 898,687

Final Outcome

₹ 2,304,755

Profit from SIP strategy

Analysis

For ₹2,200,000 loan at 12%, investing savings can generate ₹3,203,442.

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