EMI vs SIP for ₹3,500,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 50,215
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 42,006
Monthly Savings
₹ 8,209
SIP Investment
@ 12% for 15 years
₹ 4,142,039
Extra Interest Paid
₹ 1,535,279
Final Outcome
₹ 2,606,760
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹4,142,039.
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