EMI vs SIP for ₹3,200,000

27 Years @ 7%

Original Plan

27 Years @ 7%

EMI: ₹ 22,010

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 20,907

Monthly Savings

₹ 1,103

SIP Investment

@ 12% for 32 years

₹ 4,974,474

Extra Interest Paid

₹ 896,991

Final Outcome

₹ 4,077,483

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹4,974,474.

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