EMI vs SIP for ₹2,500,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 27,527
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 26,331
Monthly Savings
₹ 1,197
SIP Investment
@ 12% for 25 years
₹ 2,270,615
Extra Interest Paid
₹ 1,292,664
Final Outcome
₹ 977,951
Profit from SIP strategy
Analysis
For ₹2,500,000 loan at 12%, investing savings can generate ₹2,270,615.
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