EMI vs SIP for ₹3,400,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 36,331
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 35,245
Monthly Savings
₹ 1,086
SIP Investment
@ 12% for 28 years
₹ 2,996,829
Extra Interest Paid
₹ 1,814,854
Final Outcome
₹ 1,181,975
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹2,996,829.
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