EMI vs SIP for ₹2,800,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 25,898
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 22,972
Monthly Savings
₹ 2,926
SIP Investment
@ 12% for 21 years
₹ 3,331,667
Extra Interest Paid
₹ 816,543
Final Outcome
₹ 2,515,125
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 8%, investing savings can generate ₹3,331,667.
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