EMI vs SIP for ₹2,800,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 19,511

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 18,454

Monthly Savings

₹ 1,058

SIP Investment

@ 12% for 31 years

₹ 4,221,044

Extra Interest Paid

₹ 777,186

Final Outcome

₹ 3,443,858

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 7%, investing savings can generate ₹4,221,044.

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