EMI vs SIP for ₹3,500,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 27,135
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 24,737
Monthly Savings
₹ 2,398
SIP Investment
@ 12% for 25 years
₹ 4,550,891
Extra Interest Paid
₹ 908,671
Final Outcome
₹ 3,642,221
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 7%, investing savings can generate ₹4,550,891.
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