EMI vs SIP for ₹2,300,000

10 Years @ 7%

Original Plan

10 Years @ 7%

EMI: ₹ 26,705

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 20,673

Monthly Savings

₹ 6,032

SIP Investment

@ 12% for 15 years

₹ 3,043,552

Extra Interest Paid

₹ 516,555

Final Outcome

₹ 2,526,997

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 7%, investing savings can generate ₹3,043,552.

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