EMI vs SIP for ₹3,500,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 28,543
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 25,547
Monthly Savings
₹ 2,995
SIP Investment
@ 12% for 23 years
₹ 4,412,401
Extra Interest Paid
₹ 885,823
Final Outcome
₹ 3,526,577
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 7%, investing savings can generate ₹4,412,401.
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