EMI vs SIP for ₹2,300,000

23 Years @ 10%

Original Plan

23 Years @ 10%

EMI: ₹ 21,325

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 20,423

Monthly Savings

₹ 902

SIP Investment

@ 12% for 28 years

₹ 2,488,489

Extra Interest Paid

₹ 976,409

Final Outcome

₹ 1,512,080

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 10%, investing savings can generate ₹2,488,489.

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