EMI vs SIP for ₹3,200,000

23 Years @ 10%

Original Plan

23 Years @ 10%

EMI: ₹ 29,670

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 28,415

Monthly Savings

₹ 1,255

SIP Investment

@ 12% for 28 years

₹ 3,462,246

Extra Interest Paid

₹ 1,358,482

Final Outcome

₹ 2,103,764

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 10%, investing savings can generate ₹3,462,246.

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