EMI vs SIP for ₹2,300,000

25 Years @ 12%

Original Plan

25 Years @ 12%

EMI: ₹ 24,224

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 23,658

Monthly Savings

₹ 566

SIP Investment

@ 12% for 30 years

₹ 1,998,163

Extra Interest Paid

₹ 1,249,666

Final Outcome

₹ 748,497

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 12%, investing savings can generate ₹1,998,163.

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