EMI vs SIP for ₹2,800,000

30 Years @ 10%

Original Plan

30 Years @ 10%

EMI: ₹ 24,572

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 24,071

Monthly Savings

₹ 501

SIP Investment

@ 12% for 35 years

₹ 3,255,273

Extra Interest Paid

₹ 1,263,826

Final Outcome

₹ 1,991,447

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 10%, investing savings can generate ₹3,255,273.

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