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.
"The total inflow here after 20 years is approximately around Rs 2.43 crore. Outflow similar at 1.16 CR so net return roughly 1.28 CR i.e. Option 2 lags Option 1 by approximately ₹23 lakh."
