EMI vs SIP for ₹3,200,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 22,299

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 21,090

Monthly Savings

₹ 1,209

SIP Investment

@ 12% for 31 years

₹ 4,824,050

Extra Interest Paid

₹ 888,213

Final Outcome

₹ 3,935,837

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,824,050.

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