EMI vs SIP for ₹2,300,000

19 Years @ 11%

Original Plan

19 Years @ 11%

EMI: ₹ 24,092

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 22,725

Monthly Savings

₹ 1,367

SIP Investment

@ 12% for 24 years

₹ 2,286,661

Extra Interest Paid

₹ 1,051,787

Final Outcome

₹ 1,234,874

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 11%, investing savings can generate ₹2,286,661.

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