EMI vs SIP for ₹2,800,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 42,516

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 34,480

Monthly Savings

₹ 8,036

SIP Investment

@ 12% for 14 years

₹ 3,506,978

Extra Interest Paid

₹ 1,200,933

Final Outcome

₹ 2,306,046

Profit from SIP strategy

Analysis

For ₹2,800,000 loan at 12%, investing savings can generate ₹3,506,978.

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