EMI vs SIP for ₹2,800,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 23,420
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 21,611
Monthly Savings
₹ 1,809
SIP Investment
@ 12% for 25 years
₹ 3,433,710
Extra Interest Paid
₹ 862,379
Final Outcome
₹ 2,571,331
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 8%, investing savings can generate ₹3,433,710.
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