EMI vs SIP for ₹3,500,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 39,781

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 36,127

Monthly Savings

₹ 3,654

SIP Investment

@ 12% for 20 years

₹ 3,651,185

Extra Interest Paid

₹ 1,509,822

Final Outcome

₹ 2,141,363

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 11%, investing savings can generate ₹3,651,185.

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