EMI vs SIP for ₹2,400,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 27,278

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 24,773

Monthly Savings

₹ 2,506

SIP Investment

@ 12% for 20 years

₹ 2,503,670

Extra Interest Paid

₹ 1,035,306

Final Outcome

₹ 1,468,363

Profit from SIP strategy

Analysis

For ₹2,400,000 loan at 11%, investing savings can generate ₹2,503,670.

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