EMI vs SIP for ₹2,400,000

6 Years @ 8%

Original Plan

6 Years @ 8%

EMI: ₹ 42,080

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 27,397

Monthly Savings

₹ 14,683

SIP Investment

@ 12% for 11 years

₹ 4,032,088

Extra Interest Paid

₹ 586,670

Final Outcome

₹ 3,445,419

Profit from SIP strategy

Analysis

For ₹2,400,000 loan at 8%, investing savings can generate ₹4,032,088.

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