EMI vs SIP for ₹2,300,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 20,722

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 20,083

Monthly Savings

₹ 639

SIP Investment

@ 12% for 31 years

₹ 2,551,384

Extra Interest Paid

₹ 1,005,499

Final Outcome

₹ 1,545,885

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 10%, investing savings can generate ₹2,551,384.

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