EMI vs SIP for ₹3,500,000
13 Years @ 10%
Original Plan
13 Years @ 10%
EMI: ₹ 40,175
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 34,995
Monthly Savings
₹ 5,180
SIP Investment
@ 12% for 18 years
₹ 3,965,093
Extra Interest Paid
₹ 1,291,568
Final Outcome
₹ 2,673,525
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 10%, investing savings can generate ₹3,965,093.
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