EMI vs SIP for ₹3,200,000

14 Years @ 12%

Original Plan

14 Years @ 12%

EMI: ₹ 39,406

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 35,692

Monthly Savings

₹ 3,713

SIP Investment

@ 12% for 19 years

₹ 3,250,437

Extra Interest Paid

₹ 1,517,689

Final Outcome

₹ 1,732,748

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 12%, investing savings can generate ₹3,250,437.

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