EMI vs SIP for ₹2,300,000

28 Years @ 10%

Original Plan

28 Years @ 10%

EMI: ₹ 20,423

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 19,911

Monthly Savings

₹ 512

SIP Investment

@ 12% for 33 years

₹ 2,607,743

Extra Interest Paid

₹ 1,022,663

Final Outcome

₹ 1,585,080

Profit from SIP strategy

Analysis

For ₹2,300,000 loan at 10%, investing savings can generate ₹2,607,743.

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