EMI vs SIP for ₹3,500,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 37,113
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 36,133
Monthly Savings
₹ 981
SIP Investment
@ 12% for 29 years
₹ 3,061,347
Extra Interest Paid
₹ 1,885,481
Final Outcome
₹ 1,175,866
Profit from SIP strategy
Analysis
For ₹3,500,000 loan at 12%, investing savings can generate ₹3,061,347.
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