EMI vs SIP for ₹2,600,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 23,370
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 20,158
Monthly Savings
₹ 3,212
SIP Investment
@ 12% for 20 years
₹ 3,209,026
Extra Interest Paid
₹ 631,349
Final Outcome
₹ 2,577,677
Profit from SIP strategy
Analysis
For ₹2,600,000 loan at 7%, investing savings can generate ₹3,209,026.
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