EMI vs SIP for ₹3,200,000

19 Years @ 11%

Original Plan

19 Years @ 11%

EMI: ₹ 33,519

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 31,617

Monthly Savings

₹ 1,902

SIP Investment

@ 12% for 24 years

₹ 3,181,441

Extra Interest Paid

₹ 1,463,356

Final Outcome

₹ 1,718,085

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 11%, investing savings can generate ₹3,181,441.

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