EMI vs SIP for ₹3,500,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 31,459
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 27,135
Monthly Savings
₹ 4,324
SIP Investment
@ 12% for 20 years
₹ 4,319,843
Extra Interest Paid
₹ 849,893
Final Outcome
₹ 3,469,950
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 7%, investing savings can generate ₹4,319,843.
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