EMI vs SIP for ₹2,900,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 23,871

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 23,058

Monthly Savings

₹ 812

SIP Investment

@ 12% for 32 years

₹ 3,662,795

Extra Interest Paid

₹ 1,120,324

Final Outcome

₹ 2,542,470

Profit from SIP strategy

Analysis

For ₹2,900,000 loan at 9%, investing savings can generate ₹3,662,795.

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