EMI vs SIP for ₹2,300,000

15 Years @ 9%

Original Plan

15 Years @ 9%

EMI: ₹ 23,328

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 20,694

Monthly Savings

₹ 2,634

SIP Investment

@ 12% for 20 years

₹ 2,632,190

Extra Interest Paid

₹ 767,424

Final Outcome

₹ 1,864,766

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 9%, investing savings can generate ₹2,632,190.

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