Interpreted Prediction
Under Option 2 (₹50 lakh home loan paid off in 14 years by increasing EMI, followed by ₹48,280/month SIP for 6 years at 12% return, and 7% average inflation), the net return after 20 years is predicted to be approximately ₹1.28 crore, which lags Option 1 by ₹23 lakh.