EMI vs SIP for ₹3,500,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 41,080
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 38,104
Monthly Savings
₹ 2,976
SIP Investment
@ 12% for 21 years
₹ 3,388,571
Extra Interest Paid
₹ 1,714,898
Final Outcome
₹ 1,673,673
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,388,571.
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