EMI vs SIP for ₹2,900,000

15 Years @ 9%

Original Plan

15 Years @ 9%

EMI: ₹ 29,414

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 26,092

Monthly Savings

₹ 3,322

SIP Investment

@ 12% for 20 years

₹ 3,318,848

Extra Interest Paid

₹ 967,621

Final Outcome

₹ 2,351,227

Profit from SIP strategy

Analysis

For ₹2,900,000 loan at 9%, investing savings can generate ₹3,318,848.

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