EMI vs SIP for ₹3,200,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 38,405
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 35,235
Monthly Savings
₹ 3,171
SIP Investment
@ 12% for 20 years
₹ 3,167,920
Extra Interest Paid
₹ 1,543,373
Final Outcome
₹ 1,624,547
Profit from SIP strategy
Analysis
For ₹3,200,000 loan at 12%, investing savings can generate ₹3,167,920.
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