EMI vs SIP for ₹3,200,000

19 Years @ 12%

Original Plan

19 Years @ 12%

EMI: ₹ 35,692

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 33,932

Monthly Savings

₹ 1,760

SIP Investment

@ 12% for 24 years

₹ 2,944,132

Extra Interest Paid

₹ 1,634,626

Final Outcome

₹ 1,309,506

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 12%, investing savings can generate ₹2,944,132.

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