EMI vs SIP for ₹3,200,000

18 Years @ 7%

Original Plan

18 Years @ 7%

EMI: ₹ 26,096

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 23,357

Monthly Savings

₹ 2,739

SIP Investment

@ 12% for 23 years

₹ 4,034,195

Extra Interest Paid

₹ 809,896

Final Outcome

₹ 3,224,299

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,034,195.

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