EMI vs SIP for ₹2,400,000

6 Years @ 7%

Original Plan

6 Years @ 7%

EMI: ₹ 40,918

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 26,122

Monthly Savings

₹ 14,796

SIP Investment

@ 12% for 11 years

₹ 4,063,139

Extra Interest Paid

₹ 502,015

Final Outcome

₹ 3,561,124

Profit from SIP strategy

Analysis

For ₹2,400,000 loan at 7%, investing savings can generate ₹4,063,139.

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