EMI vs SIP for ₹2,500,000

18 Years @ 9%

Original Plan

18 Years @ 9%

EMI: ₹ 23,411

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 21,482

Monthly Savings

₹ 1,929

SIP Investment

@ 12% for 23 years

₹ 2,842,142

Extra Interest Paid

₹ 872,148

Final Outcome

₹ 1,969,994

Profit from SIP strategy

Analysis

For ₹2,500,000 loan at 9%, investing savings can generate ₹2,842,142.

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