EMI vs SIP for ₹3,200,000

28 Years @ 7%

Original Plan

28 Years @ 7%

EMI: ₹ 21,747

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 20,739

Monthly Savings

₹ 1,008

SIP Investment

@ 12% for 33 years

₹ 5,136,561

Extra Interest Paid

₹ 905,540

Final Outcome

₹ 4,231,021

Profit from SIP strategy

Analysis

For ₹3,200,000 loan at 7%, investing savings can generate ₹5,136,561.

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