EMI vs SIP for ₹2,600,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 25,430
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 21,203
Monthly Savings
₹ 4,227
SIP Investment
@ 12% for 18 years
₹ 3,235,413
Extra Interest Paid
₹ 612,791
Final Outcome
₹ 2,622,622
Profit from SIP strategy
Analysis
For ₹2,600,000 loan at 7%, investing savings can generate ₹3,235,413.
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