EMI vs SIP for ₹3,400,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 40,806
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 37,437
Monthly Savings
₹ 3,369
SIP Investment
@ 12% for 20 years
₹ 3,365,915
Extra Interest Paid
₹ 1,639,834
Final Outcome
₹ 1,726,081
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹3,365,915.
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