EMI vs SIP for ₹2,900,000

9 Years @ 10%

Original Plan

9 Years @ 10%

EMI: ₹ 40,828

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 32,138

Monthly Savings

₹ 8,690

SIP Investment

@ 12% for 14 years

₹ 3,792,608

Extra Interest Paid

₹ 989,719

Final Outcome

₹ 2,802,889

Profit from SIP strategy

Analysis

For ₹2,900,000 loan at 10%, investing savings can generate ₹3,792,608.

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