EMI vs SIP for ₹3,500,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 38,104
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 36,643
Monthly Savings
₹ 1,461
SIP Investment
@ 12% for 26 years
₹ 3,143,101
Extra Interest Paid
₹ 1,830,390
Final Outcome
₹ 1,312,711
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,143,101.
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