EMI vs SIP for ₹2,800,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 41,021

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 30,511

Monthly Savings

₹ 10,510

SIP Investment

@ 12% for 13 years

₹ 3,950,854

Extra Interest Paid

₹ 821,750

Final Outcome

₹ 3,129,104

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 9%, investing savings can generate ₹3,950,854.

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