EMI vs SIP for ₹2,800,000

10 Years @ 9%

Original Plan

10 Years @ 9%

EMI: ₹ 35,469

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 28,399

Monthly Savings

₹ 7,070

SIP Investment

@ 12% for 15 years

₹ 3,567,227

Extra Interest Paid

₹ 855,598

Final Outcome

₹ 2,711,630

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 9%, investing savings can generate ₹3,567,227.

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