EMI vs SIP for ₹3,500,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 31,534

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 30,561

Monthly Savings

₹ 973

SIP Investment

@ 12% for 31 years

₹ 3,882,541

Extra Interest Paid

₹ 1,530,107

Final Outcome

₹ 2,352,434

Profit from SIP strategy

Analysis

For ₹3,500,000 loan at 10%, investing savings can generate ₹3,882,541.

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