EMI vs SIP for ₹3,300,000

18 Years @ 11%

Original Plan

18 Years @ 11%

EMI: ₹ 35,147

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 32,901

Monthly Savings

₹ 2,245

SIP Investment

@ 12% for 23 years

₹ 3,307,565

Extra Interest Paid

₹ 1,489,075

Final Outcome

₹ 1,818,490

Profit from SIP strategy

Analysis

For ₹3,300,000 loan at 11%, investing savings can generate ₹3,307,565.

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