EMI vs SIP for ₹2,300,000

23 Years @ 7%

Original Plan

23 Years @ 7%

EMI: ₹ 16,788

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 15,631

Monthly Savings

₹ 1,157

SIP Investment

@ 12% for 28 years

₹ 3,192,080

Extra Interest Paid

₹ 618,488

Final Outcome

₹ 2,573,591

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 7%, investing savings can generate ₹3,192,080.

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