EMI vs SIP for ₹2,600,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 28,306
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 27,221
Monthly Savings
₹ 1,085
SIP Investment
@ 12% for 26 years
₹ 2,334,875
Extra Interest Paid
₹ 1,359,718
Final Outcome
₹ 975,157
Profit from SIP strategy
Analysis
For ₹2,600,000 loan at 12%, investing savings can generate ₹2,334,875.
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