EMI vs SIP for ₹3,500,000

13 Years @ 9%

Original Plan

13 Years @ 9%

EMI: ₹ 38,139

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 32,776

Monthly Savings

₹ 5,363

SIP Investment

@ 12% for 18 years

₹ 4,105,241

Extra Interest Paid

₹ 1,129,867

Final Outcome

₹ 2,975,374

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 9%, investing savings can generate ₹4,105,241.

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