EMI vs SIP for ₹2,800,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 29,920
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 29,025
Monthly Savings
₹ 895
SIP Investment
@ 12% for 28 years
₹ 2,467,977
Extra Interest Paid
₹ 1,494,585
Final Outcome
₹ 973,391
Profit from SIP strategy
Analysis
For ₹2,800,000 loan at 12%, investing savings can generate ₹2,467,977.
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