EMI vs SIP for ₹3,500,000

16 Years @ 9%

Original Plan

16 Years @ 9%

EMI: ₹ 34,458

Extended Plan

21 Years (Reduced EMI)

EMI: ₹ 30,960

Monthly Savings

₹ 3,498

SIP Investment

@ 12% for 21 years

₹ 3,982,762

Extra Interest Paid

₹ 1,186,058

Final Outcome

₹ 2,796,704

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 9%, investing savings can generate ₹3,982,762.

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