EMI vs SIP for ₹3,500,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 31,490
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 29,372
Monthly Savings
₹ 2,119
SIP Investment
@ 12% for 25 years
₹ 4,020,208
Extra Interest Paid
₹ 1,253,864
Final Outcome
₹ 2,766,344
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 9%, investing savings can generate ₹4,020,208.
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