EMI vs SIP for ₹3,400,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 34,973
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 34,529
Monthly Savings
₹ 444
SIP Investment
@ 12% for 35 years
₹ 2,884,782
Extra Interest Paid
₹ 1,911,833
Final Outcome
₹ 972,949
Profit from SIP strategy
Analysis
For ₹3,400,000 loan at 12%, investing savings can generate ₹2,884,782.
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