EMI vs SIP for ₹2,500,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 17,944

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 16,803

Monthly Savings

₹ 1,141

SIP Investment

@ 12% for 29 years

₹ 3,560,530

Extra Interest Paid

₹ 679,663

Final Outcome

₹ 2,880,868

Profit from SIP strategy

Analysis

For ₹2,500,000 loan at 7%, investing savings can generate ₹3,560,530.

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