EMI vs SIP for ₹3,500,000

23 Years @ 7%

Original Plan

23 Years @ 7%

EMI: ₹ 25,547

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 23,786

Monthly Savings

₹ 1,761

SIP Investment

@ 12% for 28 years

₹ 4,857,512

Extra Interest Paid

₹ 941,178

Final Outcome

₹ 3,916,335

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 7%, investing savings can generate ₹4,857,512.

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